In 2024, I received a call from rep at Innovative Partners LP (my first mistake) and the rep was so convincing that I gave my cc to receive healthcare benefits. I was sent an insurance card. Innovative Partners LP partnered with Marpai Health to handle invoices from medical visits. I had 3 medical office visits (1-primary, 2-dermatology and 3-LabCorp for routine blood panel). Of the 3 visits, only dermatology visit was paid. LabCorp has sent my medical visit invoice to collections! I have been doing everything I can to get Marpai Health and Innovative Partners LP to pay their portion of this invoice. I don't know what else to do. I reported both organizations to Better Business Bureau with NO results. I have written to both organizations and nothing. What else can I do to get this LabCorp bill paid by the healthcare coverage? I know I have to pay my portion and I will .... AFTER Innovative & Marpai pay their portion. I even sent my state representatives a letter about this issue and nothing. Since August 2024, Marpai canceled their relationship with Innovative but while I was covered, there was an ongoing relationship. That they terminated their contract with Innovative is not my problem. While I was covered (from Feb to Aug 2024), they were in contractual agreement. I don't want this invoice in collections, I don't want this hanging over me. I want Innovative & Marpai to honor their paid plan benefits / coverage to me. What suggestions do you have that worked for you? Thank you!

Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina

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?

I rescued a new 11 week old puppy and 24 hours later he was hospitalized for 3 days with cystoisospora, a parasite, and severe malnutrition. The rescue kept him in awful conditions and he was caked in stuff (food? Feces?) when I picked him up. He is coming home today with fair odds of survival and I am shopping for a new plan for him. I have a 30 day policy with Trupanion from the rescue but they don’t cover parasites (wtf). I’ve already spent $8500 on his care. He’s going to need a lot of frequent fecal samples and re-checks of his bloodwork. He also needs another round of de-worming. Does anyone have recommendations?

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?

Location: New Mexico, USA Hello, I work at a bed n breakfast. I make $15/hr, work about 20-25 hours per week with some fluctuations, 3-4 days per week, and will not work for 2 months out of the year when it is closed. I live nearby in a camper off grid. No criminal history. My employer pays in cash and does not offer health insurance or any benefits. I am working to apply for medicaid since my application for insurance through the marketplace flagged as possibly eligible for medicaid. They said I need a letter verifying my hours and wage from my employer. When I asked my employer for this, she said she didn't want to because of not wanting to draw attention to the business. So now I'm stuck without health insurance and wondering what to do. I am thinking that she may not be running the business legally on her end after this since she said she didnt want to have anyone from the state asking about the business. I am wondering, if I contact medicaid and inform them of this, will the business be audited and ruined? She is very vindictive and I just want to be cautious about my next move. I want health insurance of course, but it is a very rural area and the only business for 35 miles in any direction, so a lot of people rely on it. Should I just quit? Should I just get coverage through the marketplace? I don't really have much money so I would like to try and limit my expenses. Thank you for any information or advice.

Location: Virginia I use Choice Home Warranty (I didn’t realize how scammy home warranty companies were until recently, so please don’t comment about that). They are requiring I pay a portion of a repair because it’s considered a “modification.” I pointed out that my particular policy covers up to $250 of modifications, and they are saying that that $250 was applied to a previous repair and no longer available. However they will not provide me any written documentation or the recording of the phone call where they stated this. Do I essentially just have to trust them, or are they required to provide proof?

Was just on hold for 4 and a half hours trying to get a quote on my car.. they don’t do quotes in office anymore either…

I rejoined British Columbia Automobile Association (BCAA) last year, after a short time away. I like the extra comfort in having them as a backup for my driving. But, when I renewed this year, they had to fix a double payment issue. I had not caught the double payment myself. I paid online with a credit card. They charged the credit card the next month, without me knowing about it. FYI. Still staying with them for back-up but will check payments closer in the future. I got a refund and 9 months extra. fyi.

Location: Indiana I recently booked an Airbnb for a month. The day I was set to check in to the room I was staying in the host, who is live overseas in the EU, called me and goes into a story about how he is in a conflict with AirBnB and that due to this conflict AirBnB won’t give him any of the money that people pay to stay at his rental, he doesn’t really go into any real specific details other than that. I was desperate for a place to stay so I don’t really ask a lot of questions in that moment. He says that he will call AirBnB customer service to get a refund and then I can pay him the same amount I payed on AirBnB to his PayPal account after I’ve received the refund. I agree and I await my refund from AirBnB. I receive it and I payed him through PayPal as discussed. Around 3 weeks I start having various issues with the host, he’s calling me, stars saying I’ve got to do this and that, nothing illegal just various things like take pictures of the place to ensure his agent is keeping the place clean and making the repairs he is supposed too. I refused but I thought this was odd so I did a court records search on him and that’s when I uncovered that he was lying about the extent of the conflict with Airbnb. In fact he doesn’t have a conflict with AirBnB at all, he has a judgement against him and an order was issued to AirBnB to withhold all of the money from the hosts rental to and instead give that money to whom the money on the judgement is owed. I’m floored by this because I never would have agreed in the payment arrangement had I known the truth. I think what the host is doing is wrong and I’d like to go to the local attorney of those who have been awarded the judgement and/or AirBnB’s legal team to fill them in on the situation. My only concern is that I’ve somehow become complicit in this guys scheme through the payment arrangement and I could be putting myself in legal trouble as well. I want to do the right thing but I also don’t want to screw myself over in the process. Are my concerns valid? If so could I possibly work out a deal with the local attorney and/or AirBnBs legal team to be immune from any recourse for my cooperation in presenting evidence in this guys scheme to get around the order put in place to pay the judgement? I appreciate any input on this situation I’ve found myself in.