My 1 year old, went to urgent care first and then they asked us to take her to emergency as she was having trouble breathing. We went to emergency and her oxygen level was 82%. A chest xray and couple test later she had rhinovirus and bronchitis. She was admitted by the ER doctor to the hospital. My insurance denied the claim because they need more info from doctor, from which doctor ER or the pediatrician that monitored her at the hospital I'm not sure.I have the sydney app it shows the bill for the provider and also shows the plan discount paying the full amount of that bill so my total is 0. Is that pending the doctors note? Not familiar with how plan discounts work, I have blue cross HPN.

Hey Everyone, I had a strange occurrence about signing up for term life insurance. Zander scheduled a person to come out to my home to draw blood from me, despite me telling them that I would like to come out to one of their affiliated locations. When I declined the offer a second time, I left a message for Zander, who did not call me back. Next, I reach out to Zander again and the agent tells me that they would like to make it more convenient for me, as they do not have locations nearby. Turns out, they have a location 10 minutes away, as ExamOne is affiliated with Quest Diagnostics. When I call them, they are strangely indifferent on the phone and are telling me that they will do a full 45 minute physical. When I asked if the results will be shared with my primary physician, they do not give me a straight up answer. When reading up on it, it seems like they do not even publish the results for the patient online. What are your thoughts?

Going from $113-$127, smh should I look into switching or would it be the same anyways?

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

Hi, I recently canceled my joint insurance policy that was under my brother and i's names. They sent a refund but the check is only in his name, I asked if they could send another check in my name because he's not available to cash it, and they said that his name was the only one on the pay account for the policy even though the policy was in both of our names, so state farm will not issue another check in just my name, or in both of our names. Is there any way for me to cash it? I'm the only one that paid the bill for insurance for 2-3 years using my card, in my name every month. And I think it's a little stupid they won't issue another refund to me specifically, when it's my money being refunded. Any help or advice at all would be greatly appreciated, thank you!

Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.

I’m a newly insured driver (early 20s) and my car is over 20 years old. I only drive my car maybe 10 minutes a day 1-2 times a week due to driving anxiety. My first 6 months with progressive it was $200 a month. Now with my renewal it will be $250 a month. I’m wondering if this is normal, if/who I need to call to discuss why it has increased. I live in a very safe area. I’m new to everything and not sure what to do. From reading it seems mostly everyone’s rates are increasing but mine is still significantly higher. Any help much appreciated, thank you.

Who else thinks that we should ban people who provide false or misleading information in this sub? Or at least have a rule against misinformation so that we can report comments with misinformation and get people can get banned from this sub? As a broker with more than 10 years of experience and running my own agency, I have zero tolerance for misrepresentation and misinformation. This is a bit of a rant with another post's comment from an agent from Primerica r telling a consumer that they should cancel a whole life that has been in-force since 1949 because they claim that the death benefit is going to be taxable, which is lies. We should be able to ban people from this because even the OP responded like, oh, I should consider that. As someone who genuinely cares about clients and protecting their best interests, this is something that boils my blood when I read. EDIT: I'm not talking differences of opinion (e.g. Term in better than permanent). I'm talking about LIES. Verifyable proven lies. Such as "the death benefit of whole life is taxable"

I got diagnosed with sleep apnea and I was delaying my treatment because I found out that its very expensive. After a few months, the cpap company based in Houston, TX reached out again that my deductible has been met and I just owe 171$ and then insurance will take the charges. After I started my sleep apnea treatment, I got the call again from the medical company that they made a mistake on their end and the benefit information was not correct. So now, they are asking me to pay 45$ for supplies and 65$ for cpap rental every month till the payments are complete. I am just a loss of what the hell is this! I get screwed up and left with more charges for a treatment which was quoted wrongly to me. I called Blue Cross Blue Shield OF TX and they said they cannot help me. My current insurance is ending in one month and I am changing insurance from next month. So, it doesn’t make sense why pay deductible towards an insurance which will not be there in 30 days. What are my rights?

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.