i visited the ED back in march 2024 and ended up being placed in observation and let go the next day. i’ve been dealing with an insurance/billing issue since then. i have anthem BCBS under an employee sponsored health plan (Union Construction Workers). the hospital i visited was In Network. for some reason, the hospital is billing me around 17000$, stating that my claim was denied due to code *00897, which requests complete medical history from the member. the member being myself, so i contact my employer sponsored health plan claims specialist, and she has no idea “why they would want that [referring to medical history]” and ensures me the claim is covered and sends over the EOB. which states patient responsibility is $1500, and not $17000. she lets me know that UCW paid mercy back in july. anyway, fast forward to november i am getting billed $17000 again. i call billing, they escalate my case, and remove the $17000 charge from my statement. i call UCW again, and they let me know the claim has been paid. billing is telling me anthem denied the claim again. they ask me to resend the EOB. fast forward to now, i am getting billed 17000$ AGAIN! i call billing, they tell me that the anthem claim is denied. i ask them if they looked at the EOB. they say yes, i ask them if we can go through the EOB together. we look through my UCW EOB and the billing employee states that my ANTHEM EOB was reviewed and for some reason my UCW EOB was not reviewed but it was received after i sent it in November. he agrees, i should only owe $1500 per the UCW EOB. but anthem is denying my claim still. i call UCW again. the rep tells me that she is now contacting anthem directly. after 9 months of issues we are finally contacting anthem. and there is no way for myself to contact anthem, only through the UCW representative. i am giving birth in about a month, im in a rush to get this handled. i would accept any help that i can. i have looked through the itemized bill, UCW EOB, and claim on anthems website and reviewed for errors. i noticed that there is one charge (for $9.50) that insurance covered that is listen on both the itemized bill and anthems claim, however not listed at all on the UCW EOB. but i, a not insurance expert, does not know what this means. please please help if you can! i have already talked to my states insurance department, which they were confused w my situation and could not help. i also have requested proof of payment from UCW, as well as a 3 way phone call between UCW, myself, and billing.

So about a month ago, I took my dog in for her routine dental cleaning. While she was under anesthetic, the vet discovered that she had gotten a stick that was wedged right across the roof of your mouth and had punctured her gums on both sides, requiring 2 of her premolars to be extracted. I filed a claim but it was denied because years ago (all the way back in 2019) there was a record of some peridontal disease at a completely different vet. Trupanion is saying they won't cover this latest incident because of that prior history, even though I've been with Trupanion since I got my pupper. Is it even worth the effort to try appealing this? I just feel like the damage to her teeth was not really caused by periodontal disease, it was more of a freak accident because she chewed a stick.

1. In October 2024,I bought a I Phone 16 max pro from T Mobile store for some other person as he didn’t have address documents and mail ID. I gave my documents for mailing address, mail ID and alternate contact number at T-Mobile store. 2. T- Mobile sold the I phone with a sim and monthly plan of $95. The other person didn’t pay $95 for the recharge after October. He kept using the phone on his home WiFi as the sim was active but with no service. 3. In March 2025 a 3rd party, not T- Mobile sends me an outstanding bill of $588.33 on the T-Mobile plan I took in October. 4. Now my issue is why didn’t T-Mobile inform me through my address Mail or my mail ID or through the alternate contact number that my plan was not being recharged and I am collecting an outstanding. Why a third party is sending a mail on my address to collect outstanding dues on T-Mobile plan. In between I was getting call from the 3rd party that I have an outstanding, I went to the T-Mobile store and asked should I entertain such calls they said it is spam, do not entertain these calls. 5. How should I go about clearing this Issue can anybody advise me on the steps to be taken. It’s concerning as $588.33 is not a small amount.Thank you all.

Hello! I was using robinhood app for crypto and everything was nice and smooth and I did not have any problems with transferring money from my account. I was living happily with the information that I can withdraw only money to the same account I was transferring it from. And there is the problem, I wanted to withdraw money to my account and after 2 months it's still not on my account. I'm dealing with their support for those 2 months, I wanted to see full confirmation of the transaction, with the full IBAN number and they can't provide it "for security reasons". Also I have a suspicion the bank account linked to my account was wrong, but I didn't double check it before trying to withdraw the cash.  I have every single proof for every transaction coming from my account, it's exactly the same as seen on the app, I have proof there is yet nothing on my bank account. And I'm just out of ideas on how to make them solve things.  Is there anything I can do to make them handle this fastly or at least to make them send me the confirmation? Thank you, every single help will be appreciated!

Last month, I was unfortunately the victim of identity theft and a scam. A scammer from Nigeria hacked my social media accounts, emails, and phone number. Worst of all, they somehow withdrew $3,000 from my checking account and spent it on cryptocurrency. At one point, they even asked me to send them nudes, which was terrifying. As you can imagine, I have been severely traumatized by this violation. I immediately filed a police report and contacted my bank to report the fraudulent transactions. Despite submitting supporting documents—such as emails showing my passwords were changed and login attempts were made from Nigeria while I live in the U.S.—Bank of America has denied my claim twice, insisting that I authorized these charges based on my purchase history. What’s most frustrating is that I have never purchased cryptocurrency in my life, so I am insulted to be accused of stealing my own money. As a young college student, $3,000 is a huge amount, and I feel furious and helpless. I am considering filing a claim with the Consumer Financial Protection Bureau, but I’m unsure if they can help me recover my money. Unfortunately, I cannot afford to hire an attorney. What are my options? How can I get compensated? I feel betrayed by the bank I’ve been with for 10 years. If anyone has experienced something similar, please let me know.

I live in Colorado and was in an accident where the other driver admitted fault. Their insurance company (Progressive) accepted full liability, paid for the repairs, and told me I could file a diminished value claim once repairs were completed. I filed the claim with an independent appraisal from a DV business that valued my loss at about $4,000. Now, Progressive is denying it, saying I’m “not eligible” because I’m keeping the vehicle and not selling or trading it right now. Their email says: > “As you are keeping the vehicle and not trading it in or selling it, there is no way to measure diminished value as you’ve not lost anything.” This is a 2024 Hyundai Kona with ~11,000 miles, accident-free before the crash. My understanding is that Colorado law allows diminished value claims in third‑party accidents regardless of whether you actually sell the vehicle—it’s based on the market value difference before vs. after the accident. Do they actually have legal grounds to deny me just because I’m keeping the car? Has anyone in Colorado fought and won this?

My insurance denied two claims. I appealed it and they denied my appeal. I received a letter letting me know I can request an external appeal through my employer. I submitted a letter, signed doctor's letter of medical necessity, signed medical records release form and a few clinical studies showing effectiveness of treatment. I received a letter in the mail today from Network Medical Review Co. The letter states: NMR has received a request for external review and has been notified from the plan that the request is eligible. NMR has accepted the request for external review. You, the claimant, may submit in writing to NMR, within 10 business days following the date of receipt of this notice, any additional information that you wish NMR to consider in reviewing your claim. NMR will review all of the information and documents timely received, and will provide written notice within 45 days after NMR receives the request for the external review. I'm not sure if my employer would send everything that was sent to them or if I have to send everything all over again. I sent them the original doctors letter of medical necessity so all I have is a copy.

I just recently got into a car accident where I was turning left on and intersection right after my light turned green, and the other driver was to my right side driving straight through the intersection with a red light. They hit me on the front right side of my car and my car was deemed totalled. I called the insurance company and she has not yet made a detailed statement on her insurance or police report (the accident happened at around 6pm on Monday). My insurance is deeming this 100% my fault. How do I get out of this? It obviously was not my fault as she ran then red, but they are saying there is no proof to her running a red light, which is true, I have none. But why does it then have to be 100% my fault? It is so so frustrating, and I would like some help going forward with this. I haven’t signed any papers for the insurance company yet and am hoping to dispute this. Do I have a leg to stand on? Thanks. Edit: I should also add that I have told my insurance company about her carrying an expired insurance sheet and her driving for Uber Eats with her car not registered as a commercial used vehicle.

I’ve been a Geico customer for probably 15 years. I think I paid $60 a payment when I signed with them, the latest new rate almost $200. I moved recently to Queens, NY which they say boosted the cost but this increase is insane. I haven’t had a speeding ticket in decades. Any companies offer better rates!?

I was rear-ended last year, and the at-fault driver's insurance covered the $14,700 in repairs. Afterward, I hired an appraiser, who reported a diminished value of $4,175. Once, I submitted the diminished value claim to the at-fault driver's insurance company, they offered me $300 and then began ignoring my attempts to communicate further. After filing a complaint with the Office of the Commissioner of Insurance, the insurance company finally got back to me and offered $2,000. It's less than I was hoping to get, but I'm worried that pushing for more could cause them to rescind the offer and force me to go to court. So, my question is, if I try (and fail) to get more, will the offer of $2,000 still stand?