I had a fsa in 2024.. before the plan expired I submitted two big expenses that were “authorized”.. however, money never got deposited to my account. Now they are saying the claim was valid but the amount was paid toward “unverified” receipts. Now that the plan year is closed they are refusing for me to submit receipts. The claims that were “unverified” were hospitals and doctors. Is this normal? Anything I can do? This is over $1200 in lost money

Alright so... I live in GA and GA power services my home. Recently the neutral wire on GA power side (prior to meter) became heavily degraded and caused half of the house to receive double voltage. I attempted to make a claim with GA power, but I guess they have it written into their contract with the city that they don't cover incidents resulting from "squirrels chewing through the steel wiring." They said to make an insurance claim instead. Does all that sound right? We had a number of items (dishwasher, stove, ceiling fans, computer, etc) fry due to the double voltage. We have an ongoing open claim from Hurricane helene unfortunately as well so trying to determine best recourse. Thanks!

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.

On June 10th I was rear ended while stopped at a red light by a woman who was texting. She got out and immediately admitted fault and the incident was caught on my dashcam. Now, two months and ~$20k worth of repairs later, I have my car back. I drive a 2024 Kia Sportage, roughly 18.5k miles on it, top of the line trim package. Prior to the accident the car was in perfect condition. Geico (her insurance provider) has offered me $5k in diminished value. Is this worth even bothering with negotiation, or does the little guy always lose?

Location: North Carolina Ill glve you guys the short story. Was in wreck back in November. Not my fault and my car was totaled. Called the other parties insurance, they gave a story that the other person didnt have insurance since August. Went to my insurance to file the claim and my insurance was lapsed due to failure to pay. I was behine 2 months. So they dont want to fix my car. I still owe 20k on my car. Anything that i could do besides let my credit take a hit?

After years of paying for Trupanion premiums, with hardly any claim at all (only a small amount for thyroid pills) this company blindsided me with an increase in premium, $70 to $118!, a $48 increase/month! They offered a lot of mumbo-jumbo about cost increases in our area. Well we pay for the routine care and it hasn't gone up, maybe minimally but nothing warranting that kind of increase. Now our dog is old so I won't be able to get any other insurance so I'm stuck with them. But we will be moving our younger dog out of that company ASAP. Just warning you all about this company, no loyalty to long time customers.

This is my first rodeo with homeowner’s insurance (Liberty Mutual) and it’s a nightmare. Looking for advice on how to proceed. The backstory is that a local company installed a new appliance in my home and bungled it. Their mistake caused some water damage to my kitchen and major damage in the finished room directly below. The appliance company gave information for their insurer, but when the initial water remediation was done and uncovered the extent of the damage, I filed a homeowner’s insurance claim instead and figured they would subrogate. I currently have a wall in my kitchen down to the studs with some cabinet boxes, trim, and the dishwasher removed and sitting in my sunroom. The counter is being held up by a piece of scrap wood. There are some minor signs of gapping in the hardwood floor that is usually hidden from view, so I’m hoping to let it ride. Meanwhile the room beneath the kitchen is uninhabitable. One wall is down to the studs with no insulation (exterior wall), LVP flooring removed, and holes in the ceiling from water remediation equipment. I received a repair estimate from a local contractor for $25k (HCOL area, home value approaching $1mil). This includes insulation, sheet rock, plaster, paint, baseboards and trim, ceiling repair, LVP flooring downstairs to replace what was there, reinstall of existing cabinet boxes, and plumbing. It does not include new cabinets or counters. My claim with Liberty has been in process for 8 weeks and a field adjuster came out 2 weeks ago with radio silence since then. The contractor has also been contacting Liberty for updates. Liberty called today and said the field adjuster calculated $700 to repair the kitchen and $2300 to repair downstairs for a total of $3k. I understand it’s an initial offer and figured I won’t come out of this without burning cash of my own, but it doesn’t cover the cost of materials let alone labor. And there’s not even a guarantee that my custom cabinets and counters will come out the other side looking the same. What do I do from here? Do I eat $20k up front and turn around and sue the appliance company to be made whole? I thought that was why I had homeowner’s insurance but this is a real nightmare. And to top it off I’ll be adding a newborn to the mix in less than 8 weeks with my house in shambles and no dishwasher (first world problems, I know).

I wish I had corn to Reddit in June of 2023 before signing on with BF but I didn’t. So here we are. My last creditor still “in negotiations” is Bank of America and i just received a hand delivered summons today. My enrolled debt for them with BF is $28k and They are suing me for $31k+. I’m waiting for the legal team contracted under BF to write up the response to the summons and the finance team to continue towards a settlement but I am panicking. I read that 90% of the suits BoA peruses goes to default judgement bc the defendant doesn’t answer. Any advice or similar experiences would be appreciated because I obviously cannot afford $31k….

Hey Team, if I get 'ghosted' by an adjuster how would one find their manager's contact information so I can send them an email? This is for Travelers in the Mid-Atlantic Region USA. Still haven't gotten any reimbursement for my personal property after a fire... and several attempts to contact them.

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.