Hello. I’m looking for options or ideas to fight the denial. I’ll start by saying I’m not medical insurance savvy whatsoever, I struggle to fully understand the what’s and whatnots. Her insurance is Christis Health Plan. My mother (45) battled stage 3 cancer last year up until two months ago when we finally got the good news she’s in remission. As she’s come off an aggressive treatment plan, she has started to lose function of her legs. Her PCP has ordered an MRI to attempt to diagnose but the insurance has denied it. Currently she’s on a medication to ease the numbness/ loss of control but over the last few weeks it has gotten to the point she cant make it up the four stairs without help and falls on uneven ground. I’m not sure how much else info is relevant but I’ll do my best to answer any questions. She’s calling both her doctor and insurance in the morning for further information. What specifically should she be asking? Is there anything we can do to help get this approved? Any help is so appreciated as a $1400 MRI cash pay seems daunting, much less whatever it may cost to get her back in walking order.

In December of last year, I purchased a plan from the Georgia Marketplace. A dental plan. I have called 4 of the offices mentioned under their provider tab and nobody accepts this insurance (solstice -Essential Smile GA- Total Care). One of the dental offices even mentioned that that particular insurance does not cover anything. Would this count as bad faith, false advertising or a 23 year-old learning the hard way about America's health/insurance issues.

This may be an easy fix but I’m all kinds of jumbled and need someone to explain it to me like I’m 5. I have Anthem Pathways through the marketplace. We used a company to help us get that insurance. So already my mind is boggled…so many moving parts. I have an account on Anthem that lets me see EOBs for myself. These EOBs are important because I use them to upload to the company I mentioned before in order to get reimbursed through my workplace. Still with me? I want to be able to add my son’s EOBs because that will help us reach our family OOP faster. Problem is, I haven’t been receiving his EOBs. I figured I would add him as a dependent on my Anthem account and could get those. No such luck. After looking and looking for a way to do this, I emailed Support. They told me that since I have a plan through marketplace, I need to call something called the Exchange?? What is that?? And that they will review something, send it over to Anthem, and then I can put my son on and see all his info. Please break this down for me. What does it all mean? What do I need to do in order to get his EOBs? Why is this all so effing complicated? I hope I gave enough info. Please let me know if there is something missing that could help me. Thank you so much in advance.

I’m going to be having a baby soon and wanted to know if I will get paid my short term disability leave if I am no longer working? I signed up for Aflac always which says it locks in the rate but I don’t want to continue paying for it if they are going to deny me.

I went to NYU langone raadiology lab (its inside hospital) for a ultrasound before the ultrasound i looked up the cpt code on the bcbs website and it gave me an amount allowed of like 200$ before deductions, and i was okay with that now i got the bill, and the amount allowed is like 900$ i called the insurance and they said its because the lab billed under the lab but not the doctor itself -- the amount estimated on the website is under a doctor . bcbs does not know what is the amount allowed under the "lab" i dont know if this is normal, but it was my first ultrasound and i dont know what to do. if i ask nyu langone to bill under a doctor will they do that? it was just intern/PA that did my ultrasound so does that even count? what should i do in this case?

So I have auto insurance with All State here in Canada and I was provided a questionnaire for my renewal term which I filled out. All state says to fill it out otherwise there’s penalties and whatnot so I fill it out. They increased the premium on my last monthly payment before renewal and aren’t budging because we sent the questionnaire that they asked for before we paid the last payment so now they’re counting it as a policy change which is stupid. I work as an actuary in auto insurance and I’ve never dealt with this sort of stuff. What should I do?

Hi everyone, I'm on the phone with the claims department at MetLife. After having paid faithfully for my dog's insurance since the night I adopted him for two years, when I finally filed my claims, I've received SIXTEEN CENTS. Two years worth of payments for SIXTEEN CENTS. They are denying part of my claim because they said I need to provide the previous 12 months of medical records of my dog's history before November 2022. The problem? I ADOPTED HIM IN NOVEMBER 2022. I could see if they were confused about that, but they were on the phone with me during the adoption process! I have a second dog, and I have a different insurance through them, and I planned on going with them, but MetLife gave me a good rate, and the rescue was so encouraging that I went with them, against my better judgment. Now I know why- they suck. I am looking for other people who've been asked for the same asinine requirements of producing their adopted dog's previous 12 months of SOAP notes BEFORE you adopted them and were denied for a claim. I'm looking to either send this to my state's AG or see if there's an attorney out there willing to take on a class action. Clearly, MetLife Pet insurance is a scam agency. I've asked them yet again to reimburse me, and I told them this time, if they say no, then I want all my payments returned. It's an easy decision- pay less for my claim, or pay more and give me back all my money. I also told them if they do, I'm willing to return the 16 cent paper check I made them mail me. Thanks.

In May, I rearended another vehicle. My fault, I'm a dumbass. The damage was to my left front bumper, which was pushed back into the tire, the left front fender, and left headlamp. At the scene, the truck was not drivable due to the bumper being pushed into the tire, so I called a tow truck. The tow driver showed up and offered that rather than towing, he could hook his winch to the front bumper and pull it out to make the truck drivable again. I was good with that plan and it saved money for the insurance company on the tow bill. A couple days later, I take the truck to the insurance company's DRP shop. I told them all of the above. A couple weeks go by, I go to pick the truck up. They fixed everything EXCEPT the left fender, saying that the damage was unrelated due to a "soft impact". No one from the insurance company ever called to discuss. In reality, the fender looked dented in from partial reformation when the bumper was winched out. But again, no one ever called for the partial denial of damages and just left it to the body shop to tell me. So I filed a DOI complaint citing the lack of investigation by the adjuster. The DOI rep never called me but closed the case, stating that the insurance company did nothing wrong. The DOI letter cited the appraisal clause in the policy, however, at this point I'm more angry about the lack of communication and investigation by the adjuster as it was very shoddy and incomplete work. I also don't think hiring an appraiser would be particularly effective in arguing related damages (but maybe I'm wrong?). I don't think I'm able to sue over damages due to the appraisa clause in the policy but would prefer to sue for bad faith. Or maybe I should just walk away and pay to have my fender repaired? Anyone have experience here or ideas on what I should do?

Hi, I’m trying to find pet insurance for my 4 month old Maine coon but Pet plan is extortionate. I don’t know any other insurance company that pays direct rather than potentially being stuck with a huge bill to pay upfront. £47 a month seems high for a young indoor kitten/cat. Why is Pet plan so expensive compared to other providers, do they offer more or is it because the pay vets direct? Can anyone advise if cheaper policy with insurer that will pay vet direct?

When I bought my car in 2022 i was living with my dad in florida and he signed for the car with me, in order to bring my payments down a bit the dealer recommended he be listed as the owner and i am the co-owner. I have since moved to Illinois and I was looking to bring down my insurance by getting my own policy, but he ended up receiving a threat to suspend his license for the car not being insured even though it was, so i just added him to my policy anyway. Now I’m trying to get a new policy because unfortunately my dads been in like 3 accidents in the last few years so State Farm dropped me after i added him on. Does anyone know if the primary owner HAS to be insured even if across the country or if he could file something specific proving insurance without him being listed? Or would i be able to just make myself the primary owner even though i’m still financing the car?