I faxed in a request to cancel and cash out an unneeded long-term care policy. I noticed I was billed again, about a month later. I received in the mail that same day a letter denying my request because the signature doesn't match what they have on file. I called Allstate and they told me all I can do is resubmit and ensure the signature matches, but it'll be declined again if it still doesn't. I was told I'd lose the accrued value if I disputed the charge or stopped the payments. I'm at a loss. My signature hasn't changed. Any suggestions?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Brief background: My boss lives in a private gated community. Last week a resident neighbour was driving out of the grounds, and as she was going through the gate one of our staff walked in front of the gate. I honestly don't know what happened but her car was damaged as the gate closed on her car. The neighbour said our team member was at fault. The gate mechanism is absolutely faulty and to blame. My boss said just to settle it and we paid her 1k for the damage (she got a garage quote). Now the community public liability insurance is saying that because we amicably settled with the Third Party, no claim by us will be entertained. I know that by rights the neighbour should have claimed on the community insurance, but my boss just wanted it dealt with and didn't want animosity with a neighbour. Do we have any recourse with the insurance company? My next plan will be legal action against the property managers, but I'd prefer not to go down that road! Edit: spelling

Here is my scenario: My mother owns a car that she would like to have my daughter drive for school high school. The car had been parked and was on a non-op status, and the car insurance was canceled. The car has been re-registered and is ready to go once we have the insurance question settled. My mother does not drive anymore and did not renew her drivers license the last time it came up for renewal. We called the insurance company to reactivate her policy, Direct Insurance, and were told that she cannot get a policy because she does not have a valid drivers license. After doing some research, I think these are my options, and I want to get some feedback: 1. Find a company that will write a policy where the owner of the vehicle is not licensed. Does anyone know of a company that does this? 2. My mother has a living trust that many of her assets are in, but not her car. Would it make sense to transfer the car into the trust, or am I still faced with exact the same problem? The final solution is for me to simply buy my mother‘s car. We are both a little hesitant to do this because my brother also drives it on occasion and she wants to make sure that it is still available for him. If I purchased it, I would still make sure it is available to him, but now I would need to make sure that my brother was on the insurance as an occasional driver. I suspect this will end up being the simplest course of action, but I wanted to make sure that there wasn’t something else I am overlooking. TIA! Edit: the car would be insured in California.

My daughter is going through a lot of PT/OT that is being billed via a local hospital outpatient center. I talked to the insurance company administrator for this portion of my insurance and I ensured that the provider (hospital) we were going to would be treated as in-network (see \*\*\*\* paragraph below, as they guaranteed it and I couldn't find a provider that would do this within 30 miles of my home). To do this, they had to negotiate and worked out an agreement. On top of this, the provider has to get pre-authorization in blocks of visits so no visit has occurred without someone at the insurance company pre-authorising these. My certificate of coverage does say that I do have PT/OT benefits but there's two kinds of it, one that is based on a hospital stay and one that is based medical necessity . They both have the same copays and costs, so it shouldn't matter but regardless, there are two ways one can get PT/OT via my insurance plan. The provider has submitted these PT/OT requests to the hospital administrator Anthem. Anthem has rejected these with the code: "\*00NYP Your policy will cover this service only if it follows surgery or a prior hospital stay for the same condition. Please refer to the section of your contract or benefit booklet that describes the coverage for this type of service." \*\*\*This is what my certificate of coverage at a glance says about CT/PT/OT: "Chiropractic Treatment, Physical Therapy and Occupational Therapy Network Coverage Each office visit to a network provider, including related radiology and diagnostic laboratory services, is subject to a single $25 copayment. No more than one copayment per visit will be assessed. MPN guarantees access to network benefits. If there are no network providers in your area, you must contact MPN prior to receiving services to arrange for network benefits. Therapy must be prescribed by a qualified provider." AND "Physical therapy following a related hospitalization or related inpatient or outpatient surgery is subject to a $25 copayment per visit. Physical therapy must start within six months of your discharge from the hospital or the date of your outpatient surgery and be completed within 365 days from the date of hospital discharge or outpatient surgery. Medically necessary physical therapy is covered under the Managed Physical Medicine Program when not covered under the Hospital Program (see page 12)." From looking at how they are capitalising things, I believe Managed Physical Network/MPN is yet another administrator for PT/OT like United Healthcare, Anthem, and Carelon for medical, hospital, and behavioral. Am I right? So they are not sending it to the right place? Or it is coded incorrectly? I'm wondering why this provider is having so much trouble getting reimbursed the right away since there's been a lot of communication already with SOMEONE and it should all be set.

Hi! I took the SBMA MEC for just about a few months in late 2024 with a new job I started. I went to the doctors on November 12th and also received bloodwork but later I received a bill for $2000 for the bloodwork and $1265 for the Physician Office Visit. I am wondering if Minimal Essential Coverage doesn’t cover basic bloodwork? Last I was told, Labcorp was waiting to hear back from SBMA for covering the services but I guess the insurance never got back to them and I’m stuck with this bill :/ I will be contacting SBMA again and also Labcorp to see what I can do.

I know I'm calling them first thing in the morning to talk with an attorney, but is there any advice for a situation like this? I owe them just under 14k, they personally gave me a settlement and I emailed it to them (5k settlement) but National Debt Relief never finalized on anything, and now they are suing me.

So I recently got in my second accident in 3 years. The first one was at fault in September 2022. This one was not at fault last month. I had just started a new policy with a new company, Traveler’s and they decided to drop me after the claim was closed. However it became a word vs word accident that was supposed to go to subrogation but since I was dropped it’s not anymore. So I had to get a new policy with Progressive which on their report they listed the accident as at fault. Is there anyway to try to change this? I know I wasn’t at fault and I think the photos of the accident help prove this. Edit: I’m in Georgia

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

Just a warning to all pet parents. I got two cats from different shelters and signed them up together. One was from a partner shelter and should have been covered from day 1. The other could only start coverage after 2 weeks. Metlife continuously mixes up their names and denies claims for pre-existing conditions, even for the cat from the partner shelter. Sucks because I heard so many great things about them, but I haven't had a successful claim processed in 4 months of owning these cats. If anyone has tips on how to deal with pet insurance that would be really helpful.