I have Aetna with acupuncture coverage. I had seen a provider 6 times, 3 times in 2023 and 3 times in 2024. All of the visits were coded CPT Code 97811 and CPT Code 97810. In 2024, I saw the provider in January, June, and July. For some reason, the visit in June was denied and Aetna said it was experimental. But the provider billed using the exact same code as before and after June 2024. All other claims had been paid. I'm at a stage of appealing this decision. But I'm wondering if anyone has any insights into why a claim would randomly be deemed experimental when it was paid as normal otherwise?

Location: North Carolina Ill glve you guys the short story. Was in wreck back in November. Not my fault and my car was totaled. Called the other parties insurance, they gave a story that the other person didnt have insurance since August. Went to my insurance to file the claim and my insurance was lapsed due to failure to pay. I was behine 2 months. So they dont want to fix my car. I still owe 20k on my car. Anything that i could do besides let my credit take a hit?

I have read some prior threads for this but they are from a year ago and I'm curious if there have been any changes. Background: I have had UHC and used Optum for my specialty pharmacy for years. My specialty medication is a biologic with no generic equivalent. The manufacturer provides me with both a copay card and a payment card. My deductible has consistently been met in January every year using the payment card, and then the copay card picks up the copay for each month for the rest of the year. Situation: This year, the manufacturer payment card was processed as usual and applied towards my deductible, however, they went back a few weeks later and reversed it from my deductible. When I called them, they said nothing has changed and the payment card, as a form of manufacturer assistance, cannot be applied towards my deductible, despite that having always been the case. Based on what I have read about an HHS ruling, they are required to apply this towards my deductible as there is not a generic available. I filed an appeal and was denied. My employer plan is likely self funded, but from what I have read, that should not matter. Has anyone gotten a resolution to this issue?

I have Delta Dental PPO. I get 2 free cleanings per year. One xray per year. Earlier this year, I got a cleaning and X-rays done at one dental office, but they dropped me as a patient because they stopped accepting Delta Dental. For my second cleaning, I scheduled with a different dental office. The receptionist there has been difficult to deal with. I explained that I already had my X-rays done at a different office and only needed a cleaning. She pushed back and said, “How can you get a cleaning without X-rays?” She asked if i can email the xray images, so I contacted my old office and had them send the X-rays to me and then i sent the all the xray images to the new office. After i emailed the xray images, the receptionist said I would probably need to get new X-rays anyway, but that I could wait and see what the dentist says. I explained that I’m only allowed one set of X-rays per year under my plan and that I’m not due for another one until next February. She said, "I KNOW! But how can we provide proper care without knowing what is going on." I reiterated that I only need a cleaning and can wait until next year for another x ray and she seemed to understand but not without an attitude. When I showed up for my appointment, she incorrectly said she checked my insurance and that I was eligible for another “free” X-ray anyway so it doesnt matter. I reminded her that I had already emailed them and dont need them again. She asked what email address?? She couldn’t find them in my chart until I opened up my phone to show my sent messages, then suddenly she “found” them and said never mind. Despite that, they still insisted on doing a single bitewing X-ray and said I would need to return on a separate day for the cleaning. I’m frustrated because I feel like I’m being forced into extra appointments and services I may not need or be covered for. Will I be charged out of pocket for this second X-ray, even though I already had one set done earlier this year? I thought Delta only covered one set annually. Has anyone else dealt with something similar? I also want to add that the other receptionists, dental assistants, and dentists have all been very nice and easy to work with. It's just this one receptionist that is very difficult to deal with.

I've had a Hagerty policy for about 4 years on my B5 S4. For context, I live on Long Island, NY. Around December of last year I made a decision to remove the insurance and plates from the vehicle due to other priorities in life. Over the years, my annual policy rate typically ranged between $600 to $720 with an agreed upon value of $15k. Deductibles were $500 and property damage / bodily injury was set to $100k/300k with supplemental at $50k. The time has come to get insurance and plates for the car, again. I got a quote from Hagerty yesterday and it came up to $2370 per year! The policy was configured identically to the last quote I received for renewal in February of 2025 which was quoted at $719 for the year. My driving record, credit score and address is the same. I called up to have someone review and validate that I have configured the quote criteria exactly as the recently canceled policy. The Hagerty rep confirmed the policy configuration and was also shocked by the difference in the quote. She mentioned that there was an increase recently to all NY issued policies but she did not have any other value added info. Do any of you fellow redditors have a recommendation for a specialty vehicle policy with other companies? I filled out an additional application with Grundy that is currently under review.

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

I’m 23, no accident or tickets at all currently driving a 2021 Mazda3 hatchback, no loan on the car. Currently paying 362 a month for full coverage with USAA and live in Florida. Should I look elsewhere for insurance? I’ve been with USAA 5 years now and I’m starting to think I’m over paying.

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

This has happened twice now where I have received my EOB in the mail, panic because it says I owe several hundred dollars still, and then when I check my billing with my dentist it says that insurance has covered everything and I don't owe anything other than what I paid the day of my visit. If the office isn't billing me anything extra, then I'm fine right? Is my dentist just good at negotiating with Delta Dental?

**THE PROBLEM** Our dog is a 7 year old English Bulldog. We had been with Nationwide pet insurance since he was a puppy and LOVED them! They were absolutely outstanding but then in 2024 their premiums went up like 3x-4x out of nowhere. I looked for some new providers and SPOT came in with a decent price (although still much more expensive than we were paying before). Our policy with SPOT started in August 2024 and Nationwide was cancelled the following month so there would be no lapse in coverage. **THE BACKGROUND** In November, he started having difficultly walking. I took him to the new vet he's been going to for the last few years and said it's hip dysplasia and is recommended stem cell treatment (we have stem cells stored with Ardent from when he was a puppy). I submitted the claim for his doctor visit and associated blood work and they denied it saying pre-existing condition. Apparently, in his medical records, back in early 2021 I had taken him into our previous vet because he was vomiting. They were concerned of a blockage (maybe ate something) and took xrays. They had made an incidental mention that bi-lateral his dysplasia was noticed while checking for blockage but that was it. I didn't even know about it. He never had any trouble walking, he was never seen for it, never received any treatment for it, and was never talked about or mentioned again by his previous or current vet. **THE QUESTION** Do I have any grounds or avenues for appealing this denial of coverage? On paper, they are saying pre-existing condition which I understand but he never was seen for it, never had signs or symptoms, never treated for it, and I didn't even know about it. It was an incidental comment 4 years ago while checking for something else. Since English Bulldogs are prone to hip dysplasia, I don't think it would be uncommon to observe some level of it - He was only 3 years old at that time. I live in CA if that matters.