Hi all. I'm confused and a little suspicious. Long story short, had a tree fall and cause damage last year. Work is done, and the invoice came to roughly $65k (Siding + roof for garage and house). Insurance gave me roughly $62k, however I opted for a higher quality siding than the basic, so $3k was coming out of my pocket. That invoice is paid in full. For the main structure (house): RCV is 49k ACV is 42k So there's about 7k Dwelling Recoverable Depreciation that is available. However, my insurance rep is making that 7k as a payment to a sub-contractor that I've never heard of and in the email stated that the 7k is going to my contractor. Why are they getting 7k more when I've already paid the invoice? I'll push back on the payment but I want to go in with facts but I can't seem to wrap my head around it. I've asked the question to my insurance rep 4 days ago but she hasn't responded. Can anyone ELI5 what exactly is going on or am I getting bamboozled? Thanks!

This is a weird problem to have. My therapist is not in-network (I have United Healthcare/UMR) so I pay her and submit the bill to UMR for reimbursement. For about a year, my insurance has usually said she is in-network, and reimburses me for about 50% of the cost (100% of their "adjusted cost" which is half of what I actually pay her). I mentioned it to her but she said she has never been in-network, which I believe - it would be pretty dangerous for her to try and take payment from both me and the insurance company. So I figured it's fine, if my insurance says she's in-network when it comes to reimbursements then I'll believe them. The reimbursements this year are now 95% of the actual cost (so they're paying me back more now). And I'm really starting to wonder, is it my responsibility to say something to the insurance company about this? Is there a chance that they ask for some of this money back later? Thanks for your advice

I got an email today regarding an upcoming Progressive insurance payment of $455. I spat my drink and went to look up my policy and to my surpriced, Progressive added a Random dude to my Policy. I have no idea who he is at all. I called Progressive support line and they said they automatically added him because they "Think" he lived in my House. I was pissed and told them i did not consent or even call them to add him. They told me that i agree to their terms and condition bla bla. I got literally no heads up or any phone calls what so ever. They claimed the mailed me about the new change. I rarely check insurance docs as they are either bills i already paid or policy info. To make it worse, this dude has 2 Serious ticketsand an at fault accident. I been a loyal member for over a decade. 0 accidents, 0 tickets. They told me to call them on Monday to fix this "easy" mistake. I was gonna wait till Monday but i couldn't let this mistake fly so i cancelled my policy. I drive my car like once every few months anyways.

Do agents typically approach you? I was approached by a woman with a tablet telling me about insurance plans and claiming she was from ACA. She asked me if I wanted to apply to see if I were eligible and told me that I could cancel at any tome should I enroll in it. Turns out I was eligible for a basic plan that I pay 0 dollars for. So I am a bit skeptical about the whole thing. I have a screenshot about a confirmation on an onboard app. It has a Premier Secure number to cancel. I’m 90% my dumbass got scammed or something. I’ve done an enrollment with a Blue Cross Blue Shield insurance in a similar manner but I canceled that one because the mandatory doctor was an hour away.

Edit: It looks like this was my deductible. It looks like I didn't fully understand how things were billed before/after my deductible was met. Thanks for the help everyone! I recently received a bill for $275 from an in-home sleep study. When looking at my EOB it says that the ammount billed was $450 and Cigna negotiated a $175 cost reduction, however under "What Cigna Plan Paid" the amount is listed as $0. Also, the provider network status is listed as "IN NETWORK". I was operating under the assumption that this at home sleep test would fall under the other lab work from an independent lab category and would be billed at 15%. Not sure if this is necessary info, but I am located in California. My questions are: 1. Does anyone know what an in-home sleep study would be classified as when it comes to how it is billed? 2. Is it possible to contest this with Cigna to get them to cover more? 3. Is it possible to negotiate this bill with Virtuox in the event that Cigna will not budge?

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

I bought a car at Carmax within the week, and just got a call that the lender, Ally, is requesting a paid in full letter for a previous vehicle. The vehicle they are asking about was repossessed in 2021. I do not have a paid in full letter, but a cancellation of debt. I'm afraid to submit that and them not fund the loan. Will this hurt me?

I opened my bank account yesterday and my jaw dropped to see a hefty bill of $519.67 from Healthy Paws!! I have been their customer for more than 10 years and they took care of my pets....They covered an expensive procedure about 3 years back and I felt nothing but grateful...Their claim submission process is very simple....No recent high amount bills from my end (just regular procedures in the last 2 years!!) ....I referred my friends to them...And I was a happy customer until today...I understand that companies sometimes need to increase their rate but to increase it by 323% !!! ... I am just sad and devastated...You value your kids'/pets' health more than yours...I just paid $160.49 a month ago..if they had to increase the rate to $200.00 or $215.00, I would have understood...But this rate hikes is truly unjustified...I am planning to report it...My heart is broken....I wanted to let people know..

So I've had Embrace for a year now, and just discovered my monthly rate went up a whopping 40%. So I called them, and they said they raise rates for ALL policy holders on average 25-35% every single year. Ive had no claims. No changes in anything whatsoever. My dog is only 1 year older, now years old. There have been no changes in my state, and they can't attribute it to inflation. So screw that. I don't see how thats even legal to raise that much each year. That means in 4 years, I'd be paying more for mediocre pet insurance on 1 dog, than I pay for all of my insurances combined.

I pay into a CalSavers account. I received an email five days ago saying: "per my request all correspondence will be sent to:" \[an email which is not mine\]. It looks like a scammer domain. I don't remember registering to access the account on the CalSavers website, though I may have during the enrollment process when I started the job. Either way, I can't access the account as it doesn't recognize the email I would have used. Is it possible someone has stolen the money by transferring it out of my account? I don't imagine scammers would waste time as soon as they have access... I can't call CalSavers until their office opens tomorrow.