Is there a difference in how United Healthcare covers their insureds if it’s through the workplace vs the ACA (marketplace)? I currently have UHC through my work and it’s not as bad as people say. I’m thinking about retiring early and getting UHC via the marketplace but I’ve been reading there is a huge rate of denials or delays for basic care. Is there a difference between the two? Anyone had UHC via their work and then switched to the ACA UHC?

Hey everyone! HOME HEALTH NURSES/WORKERS INPUT NEEDED So I haven’t been offered the job yet but I have a second round (!!!) interview on Monday :) this job requires a lot of driving, with mileage reimbursement. They said I would sometimes have to drive patients to and from doctors appointments and/or school (I’m a nurse, I would be a field case manager) and I’m just curious if any of you have been in this scenario. For car insurance do/did you apply for ride share option just in case? I am debating switching ins. companies anywho, my quote from Progressive is really high.. apparently in my state (NJ) they hiked it up just in general and a few months ago I got into an accident that I’m 100% not at fault for.

Location: Florida So I'm frustrated with Progressive because they identified a person who was staying in my home temporarily and added them to my policy. This person has never driving or touched either of the cars on my policy. They supposedly sent out a mail notice, which I could not find physically or even in my email, where I'm signed up for Informed Delivery and would be able to see any envelope that said it's from Progressive. I looked through my email to see the notices dated months ago stating the persons name and that if I do not contact Progresive by January 16 that they would add them to my policy. I looked though the details of my policy today and that's when I found that they are listed as a driver. So I've been paying for this person to be on my insurance for the past three months. I have to wait until Monday to speak with underwriting to figure out what happened and what to do. My question is whether this practice is even legal in the state of Florida. From what I've seen, a lack of response of a notice does not indicate consent. My explicit consent was not obtained to make changes to my policy. I have not even talked to or seen the person added for months before the changes were completed.

First time posting on this sub, and this topic is difficult to search, so sorry in advance if it is redundant. Tried posting a similar thing on greenbuildingadvisor, but they're not much focused on insurance, though did get some good feedback. I just got the latest in a series of substantial increases in our homeowner's insurance premium from AmFam, this time a 42% raise. No claims, ever, and we don't live in a state with hurricanes/fires. This is not me whinging about yearly increases (though it's certainly not my favorite email this week). Our case is somewhat different in that if we were to have a total loss, we would build back much smaller than the current size of our home. So what we would actually need is around 50% less than calculated by AmFam. But AmFam won't give us a quote that represents that goal, they will just go based on their algorithmic calculation of building back as is, 100%. I know we need to maintain at least as much coverage as our outstanding mortgage balance, which right now is about 40% of AmFam's calculated 100% replacement value. So that is our floor, but we would probably be looking at 50% as the level we would want. It has been a challenge to find insurers willing to create policies that insure for less than their calculated as-is replacement cost. One option I found was American Modern, but I got distracted after talking to their agent 6 months ago, and I have read some terrible reviews for them. The recent AmFam increase caused me to be undistracted again. So my question: Does anyone have recommendations for processes or companies that will help achieve my goal of getting a policy with a 50% replacement cost? As an aside: if efficiency and sufficiency are sometimes goals with building (obviously not for everyone), it seems like it should be more straight forward to build back smaller in the case of a total loss, but the insurance part of that equation is really geared toward as big or bigger.

So my employer recently enrolled us in the Unum dental PPO plan. I've been calling offices near me and no one seems to know what insurance plan this is. Unum confirmed with me over the phone these offices are in network and every single one of them are saying they don't accept the insurance because they haven't heard of it. My insurance card also doesn't mention DenteMax or Connection Dental, so it's through Unum itself.

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.

Today my 3 year old hit the gas pedal on the golf cart and ran it into my other kids electric scooters/ the wall in my garage. I hopped off to grab stuff out of the back “trunk” type thing and next thing I know it’s gone forward and hit the house. Thankfully she was okay. She was scared, I was scared. We had a good cry. I have insurance on my golf cart. I called them up and they said after the deductible, the repairs to the golf cart would be covered but the damage to my other property (my home, my car, the electric bikes/scooters, my built in shelves and other random smaller items) will not be covered because I own those items. They said had it hit someone else’s scooters/house/car that would cover it. When I got the golf cart, I called my insurance agent so I could add it to my homeowners policy and she said it was cheaper to have a separate policy for just the golf cart and to go through progressive. So this is what I did. I called my insurance company after hearing this news from progressive, and they said they could cover it under our homeowners policy- but that we would have to pay that deductible too. It wouldn’t be worth it to pay both deductibles. I am just surprised that progressive isn’t covering any of the personal property damage. Is this a normal thing?

I’ve received a series of new and confusing EOBs denying claims I usually had had no problem getting approved quickly before. Pets Best informed me on the phone that they have a new automated system that some claims get filtered into that is causing some claims to be incorrectly denied. Wanted to update and post here because their customer service truly is so helpful and kind, and if you call them they will fix your issues by flagging your denials for manual review.

(Head's up this is a long one) So, I recently got a letter in the mail saying I had a late payment for my healthcare premium although I've set up auto-pay and only recently got it reinstated in February. After calling customer support last Friday, they explained that after looking at it my old (terminated) account was still showing as active and was registering that I had been delinquent on those payments and that was the reason I had received the late payment notice. They told me I actually owed $0 and it was a system error. So, I went ahead and paid my rent early and put it out of my mind thinking it had been solved. WRONG! I then got a call yesterday saying that actually, "upon reviewing your account" I actually did in fact owe $999 by the end of the month or my account would be terminated. Is that not crazy? Are tIhey really that money hungry? I've filed a complaint with them but other than that, what else can I do? I'm considering just letting my account terminate, backpay for the one prescription I received and just starting new coverage next month but will that reflect poorly on me? I'm just not sure what else to do.