Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

I was involved in a multi-vehicle accident almost two years ago. As the statute of limitations nears, State Farm who insured the at-fault party reached out asking for a blanket release of medical, work, and school records for a bodily injury claim. I’m obviously not signing that. My insurance already paid the only medical bill I had related to the accident directly and seems to have collected money for the vehicle and related expenses from State Farm. Am I obligated to provide State Farm any other documentation for the claims that have already been paid? Want to put this saga to rest for good.

I don’t know if this is the right flair, so I apologize if it isn’t. I’m 26F living in Florida. This is my first time trying to navigate health insurance, so my parents helped me find a plan that would let me keep my doctors and cover my prescriptions (major ones being my neurologist and migraine prescriptions, which are only brand-name). My pharmacy called and said they needed one my prescriptions authorized, so I called my neurologist’s office to have them authorize it. My insurance just took effect this month, so I was also going to update it with the office. We did a search on the Aetna CVS Health portal and my doctor was listed as being in-network, but I was informed that they aren’t. They take Aetna, just not my policy. Because they’re not in-network, they can process the authorization. I guess the online portal isn’t accurate… or maybe something is lost in translation? Is there a definitive way to find providers that will take my insurance? Does anyone else even have any experience with the policy in general?

Anyone familiar with this? Or the MassHealth system in general? I am behind befuddled here. Received notices over the weekend that my children’s MassHealth Standard was downgraded to MassHealth Family Assistance. Mine stayed the same. Dads was terminated. We are not married. Dad goes through the VA and does not need health insurance. He is 100% disabled through the VA but still employable ‘outside his field’. The kids have been on MassHealth for at least 7 years now. Dad got a job last year, we reported the income, nothing changed except for his no longer needing health insurance as he didn’t realize the VA was sufficient (we are required to carry health insurance in Massachusetts). I received these letters this weekend and cannot get a live person on the phone. I don’t know if I need to find the kids a new health plan or not. The letter is not clear, at all, as to what my next steps are and coverage ‘ends’ from MassHealth Standard on this coming Saturday. One of my children was born with several medical conditions and we pretty much live at the doctor/specialist. If anyone had any guidance or advice I’d gladly take it!

I decided to go with progressive when I purchased my new car in march. I paid $850 for my 6 month plan. I just got my renewal and they want 1400!! I used the snapshot and got 4/5 start, haven't had any tickets or accidents since I started with them. I hit a deer in November of 24 but that was report on my first plan so what's making my rate so high? I got on their website and did a quote for myself (including the deer accident) and it said $700 for 6 months.

Hello. In December 2024 I enrolled in health insurance with United Health care through my employer during open enrollment. Benefits were to begin 1/1/2025 and my premium was to be $54.44. I noticed on my recent paycheck that my premium had more than doubled. I never received notice of this premium increase and only realized it had happened because my paycheck was smaller. I called them and they said the increase was because they "recalculated my information and saw an adjustment was needed." I demanded they cancel my plan, as I had not agreed to this premium. They said I wasn't allowed to cancel until the next open enrollment period with my employer in December 2025. They said they would open an appeal on my behalf and created a ticket, but I’m doubtful it’s going to make a difference, they will likely just reiterate what they already said and not allow me any recourse. Are they allowed to do this? Do I have any options in this situation or do I just have to accept that they can charge me whatever they like throughout the course of the year? I was not aware rates could change mid-policy like this. I am 48 and healthy. I have a nearly $10,000 deductible, and don’t go to the doctor for anything outside of my yearly checkup because I cannot afford to pay for anything out of pocket. I’ve also stopped taking prescribed medication because I don’t want to pay for that out of pocket either, and I can get by without it. It’s crazy to me they’re allowed to do this. Apologies in advance if I have posted in the wrong place.

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

I got a MRI done two weeks ago. When I scheduled the appointment the staff told me they didn’t know the amount to be billed since my insurance is a high yield deductible and no copay. They mentioned that if I want to pay out of pocket without using my insurance it would be $500. Fast forward I received a processed claim from Aetna saying that I need to pay $920 and that the X-ray company billed them $1,200. Is there any way to reverse this? I feel scammed by both the X-ray company and Aetna. Can I fight back a processed claim?

TL;DR: Employer canceled insurance benefits without notice while on FMLA due to nonpayment, despite efforts to pay. Hi, there. I’m currently on a medical leave of absence from work, and have been experiencing some difficulties with my FMLA/insurance benefits. I’m new to this, so any input would be appreciated! My leave began the last week of December and I’m set to return on 3/24, the last day of my FMLA protection. Since my leave started, my main priority was getting my insurance premiums taken care of so as not to lose my benefits, especially since I’ve racked up substantial medical bills over the course of my leave. I reached out to my benefits department, and was instructed to reach out to a third party (WEX) to make payment, which I did. WEX informed me that there was no balance due reflected on their end, and to reach back out to benefits. This back and forth has gone on for months now. At one point, they told me to reach out to BCBS to make payment, and BCBS acted like they had no idea why I was directed to them in the first place. I’m over 10 weeks into my leave, and have not received a single correspondence about my health insurance until today. Not a phone call, email, or letter. I did, however, receive a bill from WEX for my vision and dental coverage, but nothing whatsoever in regard to my medical coverage. Once I received the dental/vision bill, I called same day to make payment and was told, again, that there was nothing in the system to apply payment towards. Reached out to my benefits department again, and they said they could see the unpaid premium for my dental/vision. Called WEX again, and after escalating and speaking with a supervisor, was told that the reason why I was unable to pay my dental/vision is because the plans had been cancelled due to nonpayment. When I reiterated several times that I’ve been trying to pay for quite some time by that point, I was told that if I mailed the payment ASAP, there is a “strong possibility” they might reinstate the plans. I mailed the check the following morning, and am hoping it works out in my favor. What I’m most concerned about, though, is my health insurance. I spoke to someone in our benefits department in February, and was told that because I’d exhausted my PTO the first half of January, my insurance premium would have been deducted from one of those paychecks. According to the representative with whom I spoke, “January was covered.” I told him I’d received bills for my dental/vision coverage, but still hadn’t received anything for my health insurance. He told me to just wait a little bit longer for it to show up in the mail. Over 10 weeks later of non stop calling and trying to stay on top of things, and I still haven’t gotten anything. I expressed that due to the nature of my leave, I really needed to keep my insurance coverage, and was terrified the third party was going to cancel my policy for nonpayment. He reassured me that the only one able to cancel my insurance would be my employer, and they would “of course” provide me with ample notice prior to that. When I told him it didn’t make sense that I’d receive bills for my dental/vision but not my health insurance, he told me to not worry because my health insurance will remain as is regardless. That my account would just go in a rears and my employer would deduct the unpaid premiums accrued during my leave from my future paychecks once I’m back to work. A supervisor from benefits called me today (10 weeks after my initial call), letting me know that the reason why WEX didn’t have my balance due in their system was because my health insurance was cancelled on 1/28. When I told her that I’ve been calling for help for months now, and continue to get the runaround, she just kept saying it was my responsibility to cover my premiums while on FMLA. When I told her that benefits told me no one would cancel my health insurance without notification, she disregarded it. Same when I mentioned the rep telling me that my account would just go in a rears and they’d deduct the premiums from future paychecks. She told me that I owed for January, February, and March, and that there is a 10-day grace period where I can get caught back up to “hopefully” have my coverage reinstated, but couldn’t be for certain. I checked my last paycheck from January, and the deductions are reflected on it. I’m just very confused because she was adamant I owed for January still too. I just don’t see how they can cancel my insurance: 1. Without notice, and 2. After I’ve made an effort to get it paid since the very beginning of my leave. Someone had mentioned this being problematic because of potential FMLA violations, but I’ve never gone through this before and I’m honestly unsure of the process, and obviously don’t feel comfortable reaching out to my employer given the misinformation I’ve received thus far. Our market is experiencing mass layoffs right now, and I was hesitant to go on leave in the first place because of it. I don’t know if it’s worth mentioning or not, but the day before my leave was set to begin, thought to call Alight just to make sure I was not going to be reprimanded for not coming in. The representative informed me that my LOA request had been cancelled. This gave me pause, as the only ones who knew about the LOA request was my immediate supervisor and Alight. I’d have been no call, no show and subsequently terminated had I not thought to call beforehand. I’ve just been worried so much about all of this, and honestly regret taking the medical leave even though it was necessary. I’ve spent more time going back and forth with my employer than I have with my physicians and it’s been hell. Does anyone have any input regarding this situation? Is this just an HR issue and nothing more or should I consider seeking legal counsel? Thanks so much ❤️

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!