Cigna denied my claim for a “periodic oral evaluation-established patient”, but approved adult cleaning (two per calendar year). This was the second examination and cleaning I got in the year. Reason for denial is “N4 - This claim is denied due to lack of information. If you would like to have the claim reconsidered, please submit the information requested” I contacted Cigna customer service twice and both agents said they didn’t know what the information requested was and provided no course of action. Who can I reach out to to understand what additional information is requested since Cigna doesn’t know?

I got rear ended (hit and run) but it resulted in me hitting someone else. The guy I hit has a tiny scratch on his car and there’s deep crack mine that’s barely noticeable. The guy didn’t seem to care, he was fine, and seemed like he was in a hurry to get out of there before the police arrived. I got his license plate and he got my insurance information but I forgot to get his. Since there’s like barely any damage and no one got hurt do you think he’ll report it? I’m worried because I have USAA but it’s the bare minimum and when checking my insurance policy, I realized I put that I own my vehicle but it’s actually leased. I still owe a few thousand on it. I want to be honest with my insurance but I am so worried about the resulting possibly financial burden. I live in VA if that matters.

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

My first mistake was insuring through state farm. My second mistake was using one of the preferred shops that state farm recommends. My liftgate had a dent covering 40% of the area of the surface plus it was bent on the inside frame. State farm insist they can repair this by bending the panel back in place and filling with bondo. This is the worst way to fix this door, but State Farm doesn't care they just want a cheap repair. STATE FARM IS NOT A GOOD NEIGHBOR - THEY ARE VERY DECEPTIVE AND WHEN IT COMES TO YOUR CAR REPAIRS THEY WILL SCREW YOU BIG TIME.

Car loan— 12,000 to pay off, interest rate is 7.8% Federal student loans— 6,000 to pay off, interest rates average about 4% I called Wells Fargo, as this is what my auto loan is through and they told me their is no benefit to paying off my car early (as in I won’t save any money) very confused as I know this is a “fixed loan”. Obviously it is better to pay off the higher interest rate, but if it’s a fixed loan does that matter?? Any advice on which to pay off first??

This is a weird problem to have. My therapist is not in-network (I have United Healthcare/UMR) so I pay her and submit the bill to UMR for reimbursement. For about a year, my insurance has usually said she is in-network, and reimburses me for about 50% of the cost (100% of their "adjusted cost" which is half of what I actually pay her). I mentioned it to her but she said she has never been in-network, which I believe - it would be pretty dangerous for her to try and take payment from both me and the insurance company. So I figured it's fine, if my insurance says she's in-network when it comes to reimbursements then I'll believe them. The reimbursements this year are now 95% of the actual cost (so they're paying me back more now). And I'm really starting to wonder, is it my responsibility to say something to the insurance company about this? Is there a chance that they ask for some of this money back later? Thanks for your advice

I’ve been reading and have found out that many considers equitable a terrible company. However all the information I’ve read is more from an investing point of view rather that this scenario. So is it equally as terrible for 401k as with investing? Am I good to take advantage of the 401k while working here (I’m not planning to work there for years or anything) or should I just get that money and invest it myself on an IRA fidelity’s account?

Very long story short, condo had a water leak 4 months ago. My homeowners insurance says that based on the HOA bylaws, the HOA is responsible for the damage. HOA is saying the opposite. So I’m at a stalemate. What do I do? I’m assuming an attorney is my next step but who pays those legal fees if I win? Condo is in South Carolina if that matters. To make it more complicated, my insurance sent in water mitigation contractors that completely ripped my kitchen out. They did this before asking me for a copy of the HOA policy and determining they’re not responsible for yet it was their contractor that came in. Now I have no kitchen and both parties saying they’re not responsible. Ugh.

Repost 😆 I was rear ended at a light…luckily I was the only one in the car. The other driver accepted liability and I’m going through their insurance. I did get whiplash which I could feel a bit after the accident along with a bad headache. The pain is lingering a few weeks later now in my neck and shoulder. The injury claim adjuster offered $500 to sign an injury release. I want to avoid lawyers and running up medical bills etc for an injury that will likely heal over time. From industry experts or others with similar experience, what’s a fair settlement?

I had to get a new car unexpectedly in April. My AAA car insurance period was Feb-Aug. Called them on April 7 to let them know I got a new car and the premium was crazy, but you can't drive without insurance so I kept it. Shopped around and got a new policy for much cheaper starting May 1. Called and cancelled AAA and the agent said I might get billed a cancellation fee. NBD I thought. Nope. My pro-rated term premium was $840. My payment due after cancelling was $310! The math ain't mathing. $840 for coverage from April to August comes out to $168/ month. I wasn't even covered by the new rate for a full month. I've already called and the agent just said its a combination of things like the short rate and cancellation fee, but she can't give me an itemized breakdown of charges. Anyone got any advice? Is there a way to get out of paying this or at least getting them to come down?