Location: Texas On mid February of this year our truck randomly started being noisy, we immediately took it to a shop, they told us the issue and that if it had a warranty we would be fine. It did have a warranty and we immediately contacted them and dropped off the truck in a certified shop. The shop then dealt with the warranty and the claim was officially filed on March 5th (we were told this by the warranty company) today we call for an update and get told they can no longer do anything since the warranty expired on March 30th. We think they purposely let time run out. Has anyone dealt with something similar?

I have Geico. My premium shot up another $150 yet again for a 6mo period. They blame NYS, but this has been the norm for them since joining them in Apr '21. I want to shop around for full coverage insurance for my car, but unsure of who's even "affordable" anymore. For those in NYS who switched off of Geico, which company did you end up going with? Did they provide similar coverage at a cheaper cost?

I’m so disappointed right now, I call them so many times and im denied from badger care ever since I turned 19, I have to make under 15k and 1,200, and also I got fafsa but ik their policies said it’s counted but not really lol, I know I make over it, it still doesn’t help, I don’t know what to do they do give me this random ass number marketplace and should I call them? I’m sorry im so disappointed I feel bad for college students

I'm 41 and live in New Jersey. I work for a non-profit and make around $35k per year. A few months ago, I saw my GP for a regular check-up and mentioned that, in my job, people often speak confidentially, whisper, or are just low talkers, and I sometimes have trouble understanding them when it seems like there is an expectation that I should not, which can get frustrating. I said that I have not had my hearing tested since I was in grade school like 25 years ago and asked whether that's something that should be checked from time to time. She said sure and wrote me a referral to get a hearing test. So I went to the website for my insurance (Horizon, aka Blue Cross Blue Shield) to search for providers and easily found an audiology office that's tier-1 in my network a few blocks away. I called them, explained that I hadn't had my hearing checked in decades and was looking for a regular test with my doctor's referral, and gave them my insurance information so they could verify that they're in my network. I went for the test, which didn't really tell me much, and later I received the finalized claim notification and was surprised to see that I owe $1,041.85. I argued with the billing department, and then I argued with the insurance company. There are two different issues here, I've been told. First, insurance explained that the medical coding was for a diagnostic hearing test rather than a routine (annual) hearing test. (Obviously, no one ever gave me an option for which type of test I wanted to receive.) An insurance representative talked to the billing department while I was on the phone and was unable to convince them to change their coding; they insisted that they had coded it correctly and that it would be illegal to change it. Insurance doesn't consider it preventive care if it's a diagnostic test, even though their Preventive Health Guidelines document mentions "Doctor will ask about hearing difficulties and refer for further diagnosis" under "Other Recommended Screenings/Tests." When I escalated and spoke with a different insurance representative, she figured out the other issue, which became the main focus: I was billed as a hospital outpatient, not as a visitor to a specialist office. She was not able to change that by working with the billing department and filed an appeal internally with the insurance company on my behalf. About a month later, just the other day, I received a denial of the appeal in the mail. I can still file my own appeal, but I'm not sure how to get a different result. In the meantime, my "payment is overdue," and I'm worried about it going to collections and affecting my credit. The billing department isn't doing anything to hold the timeline even though I've told them repeatedly that I'm arguing with insurance about the bill and had them note it on my file. If I gave the audiology office my insurance up-front, didn't they have an obligation to inform me that the service wouldn't be covered? If I found the provider through my insurance website as in-network, didn't they have an obligation to inform me that the office was considered hospital outpatient and not a specialist practitioner? I should note that I live right by a hospital in a major healthcare city, and many of the facilities throughout the city are under their umbrella. My GP's office is also part of the hospital system. Their name is on the door. I use the same patient portal for my doctor visits as I got this bill through. So why, when my GP is a regular office visit, would this audiology office bill me as a hospital outpatient? I've had health insurance for almost 17 years through my job but only recently started exercising it at all. It's absolutely insane to me that I can be billed an amount like this without anyone letting me know up front that I'm agreeing to pay for a costly service rather than just a co-pay. I'm dealing with some dental stuff right now that's not covered by my plan, and the dentist's office has been extremely clear and forthcoming about costs months in advance. In contrast, this hearing test bill feels like a scam. Does anyone have any recommendations for what I can do from here? Also, does the No Surprises Act help me with this at all?

Hey everyone, I got a call recently from a company called Wilber, saying I owe them money for an insurance-related matter. But the amount they’re asking for is way more than what I actually owe. This happened in Texas, and it caught me off guard. I tried asking for a breakdown of the charges, but it still doesn’t add up. It feels shady, and now I’m just wondering—has anyone else in Texas dealt with something similar from Wilber? Did you resolve it? Did they back off or escalate it? Just trying to figure out if I’m being taken advantage of or if this is some standard (but aggressive) practice. Any advice or shared experience would really help. Thanks in advance!

Hi all, I’m in a common and frustrating position revolving around paying for health insurance. Here is my situation. I work part-time and go to school part-time, so I don’t qualify for full-time benefits for work or any equivalent part-time healthcare offers in Michigan So that’s the first part. I gross about $600 a month working and my healthcare premium is $650 a month alone for BCBSM HMO Gold plan. It just is not feasible to pay that much for healthcare anymore- especially, out of pocket in full. What I do have is Medicaid and CarePayment accounts that help me cover the costs and pay down medical debt in a reasonable time frame. I need some coverage because I have a mental health condition and commonly use: medications, psychiatry, therapy, and labs. I am wondering if I can get by just with MI Medicaid. Is that risky since Medicaid has very low reimbursement rates? Or is it reasonable to go with Medicaid and just try to be frugal medically? What I want to avoid is going for routine procedures and leaving with a $1200 bill, AND paying $650 a month only to use it half hazardously. Thanks.

I opened a discover card in college and misused it. I am now trying to gain control of my finances and increase my credit score. I have minimal financial literacy from my parents but trying to learn now! On my credit report it does not show up as in collections just as discover ~$3,700 balance but closed (12/2022). My last payment was made 12/1/2022. I called discover and they said the balance has been marked as charged off and to reach out to Radius Global Solutions. I am not able to pay the whole amount right now but was hoping to enroll in a payment plan when I originally called discover. I could also pay some in a mass sum. What should be my next steps? Thank you in advance!

I suffer severe injuries after being struck by a car! The lawyer called me today to tell that progressive insurance is only going to pay $25,000 for my injuries and that my medical insurance will cover my bills . And they research the guy and he has no assets to sue him!! I am devastated that I nearly died in this accident, everything is gone, and I am mentally ruined. Could you kindly advise me on what to do? Thanks

I adopted a dog last March. I signed up with Spot for regular and preventative. Last year in May I got his teeth cleaned and they covered $150 of the cleaning, great. The new calendar year is here and I assumed like my health insurance the clock would start again at the beginning of the year. Nope. They go by the calendar year from when you started your plan so they denied my claim. Not a huge deal but if you are covered by Spot know that their preventative coverage is based on a year starting when you signed up for your policy.

I initially chose Trupanion because of its **per-condition deductible**, which seemed like a great deal. The idea that once you pay the deductible for a condition, you’re covered for life sounded like a financial safety net. **But there’s a catch**—what you think a condition is and what they classify it as can be entirely different. I have a **golden retriever** and live in **California**, where vet care is already expensive. Over the years, I’ve **paid thousands out of pocket** for the same recurring issues, thinking I'd eventually see the benefit of having met the deductible. Instead, I was repeatedly disappointed to find that Trupanion either classified the conditions differently or found other ways to deny meaningful coverage. Yesterday, when they pulled the same stunt yet again for one of my recent claims, I finally sat down and did the math. And what I found was infuriating: * **Total amount claimed (across multiple years):** $18,785.07 * **Total amount paid by Trupanion:** $4,074.02 * **Percentage of total expenses actually covered:** **21.69%** And this doesn’t even factor in the **monthly premiums** I paid on top of it. When I do the math, I might as well have **skipped insurance altogether** and just covered my pet’s medical bills myself. It would have cost me about the same, if not less. Now, I am considering switching to a different pet insurance. While they have a waiting period for **curable pre-existing conditions**, I am **happy to wait it out**—because let’s be honest, Trupanion isn’t paying for those conditions anyway. At this point, I might as well **put everything out of pocket** while I wait for better coverage. If you're considering Trupanion, **think twice**. Their deductible structure sounds promising, but their classification loopholes mean you might **never actually reach it** for conditions you thought were covered. At this point, I feel like I’ve wasted money that could have gone directly into my pet’s care instead of into an insurance plan that gave me little in return. I wouldn’t recommend Trupanion to anyone expecting true financial relief from pet medical expenses. **Save your money, start an emergency pet fund, and skip the frustration!**