Hi all, Hoping someone here can help me make sense of this or share advice on next steps. I recently had a BRCA genetic test done through Labcorp. Before the test, I received an estimate of $43.17 and got pre-authorization from Anthem. Everything looked good, so I went ahead. Now I’ve received an EOB from Anthem denying the claim. They say I’ve reached my “once per lifetime” limit for BRCA testing—and they’re expecting me to pay $3,000 out-of-pocket. I called Anthem, and they said the correct CPT codes were used and the denial is based solely on the lifetime limit. But I have never had BRCA testing before. It’s my first time. Anthem is now reviewing the case, but I’m trying to understand what might have gone wrong. My theory is that their system may have logged the pre-authorization itself as a completed test, and when the actual test was billed, it triggered the “second” test denial. Has anyone seen something like this happen? Thanks in advance!

I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!

I put my three dogs on MetLife’s family plan sharing one annual limit and deductible because it was the only company doing it and all the others including Fetch, who I already had, were getting way up there on premiums, especially for my oldest dog. Started out sharing $10k annual, $250 deductible, 80% reimbursement, around $115/mo. Dogs were 9, 6 and 4 mo. After one year and no claims MetLife bait and switched me, lowering my deductible to $200 and raising the price by $30. Their other offerings for less were with higher deductibles that didn’t result in anywhere near my original set up in cost. I was ticked off but ended up doing nothing about it. And yes, I know the rates go up as they age. Renewal came up and they did it again, changing my limit to $10500, lowering my deductible to $150 and raising my premium by $80 to $228/mo!!! I never put in a claim this whole time! I work at a vet hospital and get a discount, did have one dog worked up with labs that didn’t meet the deductible so didn’t bother. However, I imagine as far as other carriers are concerned he now has a “pre-existing condition “ even though we didn’t reach a diagnosis other than polydipsia. So I called MetLife and went through various policy scenarios to see what that dog would be by himself, moving the now 2 1/2 yo to to a different provider and dropping coverage on the now 11 1/2 yo which I hate to do. I ended up keeping everyone covered at $250/80%/$5k for now at $144/months. Makes me nervous as a previous dog took me up to $8500. But this buys me time to decide what to do. Has anyone here had experience actually putting in claims with MetLife? How were they in honoring claims? Did they yank you around changing coverage and raising premiums substantially at renewal?! You would think there would be some kind of reward for not needing to submit claims! These tactics are BS!!!

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?

I have a six-year-old lab mix (50 lbs) who is in good health, but a couple months ago, she was limping a little bit and had an x-ray in which the vet I saw said there was some minor flattening of one of her hip joints. I have a family member who is a vet in another state, and she said from the scan she saw, there was nothing worth noting or treating and she seemed to be in perfect health for her age. She’s also stopped limping entirely about a week or so after that appointment. However, I know that the vet we saw does have it in her chart. I tried to file a claim on this, but as with literally every other claim I have ever made (nothing serious or crazy expensive so I let it go), it was denied. I have had Figo since I got her at 1.5 yo (rescue), but the same plan that I still have since I signed up shortly after adopting her started at about $25 a month, and now is creeping up to almost $125. My annual renewal date is mid February, so I have been thinking about making the switch. However, I am wondering if because of this last visit, if she were to develop hip dysplasia later in life, they would use that as an excuse not to cover anything. Barring any accidents or random injuries, it doesn’t seem at this point that anything else is concerning or showing signs of future problems at this point. She’s an inside dog and has always been up-to-date on her shot and flea, tick, and heartworm meds. The vet did bloodwork when I took her in for x-rays, and everything came back crystal clear, as it has any other time she has had blood work done. I’ve just become increasingly frustrated with Figo given the price hikes every year and their refusal to accept anything. I feel like I’m wasting my money, but don’t want to get screwed over later on if a new company sees it a pre-existing condition. But I’m also too anxious to not have any insurance at all. Anyone have experiences similar to this? Any advice? Do I just tough it out and keep shelling out the cash just in case? I know I should have probably switched years ago, but here we are.

My State Farm agent wasnt much help. The two of us have two old cars, fully insured, for about $105 a month. We are thinking of adding a third similar old car, but driving no more than before. We will mostly let one car rest and use it only for holidays as needed, perhaps once a month. So we pay about $50 a month for each car. Would the next car also cost about $50 a month, or much lower, since we will be greatly reducing the amount we drive on the other car. Same total mileage as with two cars.

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.

Hi reddit, Today I found out that my pet insurance through Nationwide expired in October 2024. I received ZERO notice. No emails, no letters, no alerts. I only realized after trying to submit a claim for last night’s emergency vet visit for my dog Walter and saw the policy was not active. I haven’t needed to file a claim since July 2024, so I wasn’t logging into my account regularly, but I had no reason to think coverage wasn’t active. I’ve checked everything (inbox, spam, physical mail, account notices/documentation) and there was no warning at all about the “expiration”. I’ve already contacted Nationwide and I’m waiting for a response but I’m an anxious person and looking for any advice or insight while I wait… Some context: -I’ve been a Nationwide customer since 2020 (originally for my hedgehog, RIP) and since 2022 for my dog. Any time there was a payment issue in the past I would receive multiple alerts and I would resolve it same day. -There WAS a payment issue August 2024 which I fixed immediately and I confirmed AUTOMATIC payments were reinstated. I have documentation of that. I recognize I’m privileged to be in a position where I don’t have to closely monitor every transaction, so I wasn’t regularly checking my bank statements. I know that’s not everyone’s reality and I say that not as an excuse but to add context. I’m really upset. I genuinely thought Walter was covered and now I’m dealing with a vet emergency completely out-of-pocket. I’m also panicking that he may no longer qualify for a new plan with his pre-existing conditions that developed while he was covered. Has this happened to anyone else? Were you able to appeal, get reinstated, or have a claim approved retroactively? And for anyone with legal knowledge, do I have any rights if I was never notified that my policy had ended? Thanks for reading if you got this far. I’d really appreciate any advice. TL;DR Found out my Nationwide pet insurance expired months ago with zero notice. Had autopay confirmed active after a payment issue. Facing an emergency vet bill with no coverage. Looking for advice, experiences, or legal insight on whether I can get coverage reinstated or claim paid retroactively

My home insurance policy was up for renewal last October, and I ended up switching from Intact to RBC because the premium was lower. About a month later, I got a message saying that they wanted to do an inspection of my home. The inspector came and took some photos and told me that everything looked good and there shouldn’t be any major issues. Today, I received a registered letter telling me that my policy will be cancelled in 30 days due to “underwriting reasons”. I was unable to speak to anyone at RBC before they closed for the day, and will call first thing in the morning. I have no idea why they would cancel my policy. I’ve been continuously insured for over 10 years, have never missed a payment and didn’t withhold any information when I got my quote. I have had 2 claims in the past, but the last one was in 2016 so I didn’t declare it during the application because they asked if I had made any claims in the last 6 years. Has anyone had this happen before? I’m freaking out a bit because I understand that if you have an insurance policy cancelled on you it becomes harder to get insurance in the future. Any help or advice would be greatly appreciated, thanks!

Hey everyone. Need some insight from anyone who can chime in! So I am with Allstate Insurance. I had a collision with my truck (driving slow, hit a patch of black ice and my truck goes right into a transformer box(those green boxes that you usually see somewhere in a residential area ) and my truck is totaled. It’s been 2 months since I’ve filed the claim and I’ve basically heard nothing since. I have been calling 3-4 times a week, leaving 2-3 emails a week. Basically nothing. Just curious what should I do since it seems like claims never should take this long?