I have 3 vehicles under my name, we were in the middle of moving between cities and I decided to change the location. Due to last minute changes, we decided to stay at our current location. I went to log back into geico to change it back and it says they locked my account and when I called them they said “they are investigating the location of the vehicles”. What are my options now and what should I do?

Hi, yes a throwaway account cuz im a bit nervous So starting a few weeks after changing insurance providers, the pharmacy accidentally (?) put some meds on the wrong insurance(multiple times tbh, and the last one was over 6 weeks after the insurance had been stopped?!) . i get a notice maybe a month later saying i owe them quite a large sum of money. I go back and forth for about half a year before i was able to get a check from my new insurance to cover it. It isnt even the whole amount, but it helps. Now im so frustrated w the old insurance for putting us thru so much hassle. I tried to do a payout w them for like half the amount for all the trouble and after their review, they denied that request. But what if i were to let it go to collections and then do a lump sum payout with them? Any ideas how badly that would affect my credit? Im floating typically around 800 so i have decent credit. Or does medica debt even count towards credit score? I feel like i cant find a solid answer to that…im in the midwest usa for reference. Or even, what am i mot considering by doing this? I could def use the extra money, this whole situation was not my intention. It was rly super stressful tbh. Thoughts? Thanks everyone in advance! Any suggestions advice etc welcome.

Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.

Hi, I’m looking for help on disputing information on my CLUE report. Back in March 2024, in Arizona, US, I was involved in a accident which was deemed to be the other driver’s fault. The payout went out from their policy. We were both insured with Progressive at the time. When I first called to report the accident, Progressive opened a claim on my policy, I wasn’t aware it was on my policy at the time, however, I made it clear to them that the other person agreed to having been at fault and gave me their insurance details. When the adjuster first contacted me, they spotted this mistake and closed the claim on my policy with 0 payout and opened a claim on the other party’s insurance, which ended up in a payout of $1400 to me. While shopping for insurance last week, I saw that progressive is listing the above accident as a non-chargeable at fault accident with 0 payout. To get this corrected as a no-fault accident on my LexisNexis CLUE report, I will need to raise a dispute, howe

San Francisco CA, two crap cars, one driver perfect record (me), one 22 yo driver who backed into neighbor almost two years ago My umbrella went up from about $1050/yr in 2024 to $1982. Ugh. Crazy as the car and house is so much too. Thank you for any input!

Tried adding pics but the rules won't allow me 🥲 Howdy Everyone, I'm posting on here hoping to get some help. Background: My wife and I bought this home about 3 years ago with signs of potential termite treatment( burrowed holes 1ft apart the whole house). We live in a plant hardiness zone 10a? I googled it. We didn't see it as an issue since there was no sign of existent pests or insects. The house was left abandoned for several years though with overgrown grass. The neighbors would take turns cutting the grass since it's a community and thus house was not being kept up. Anyways, we buy it and within a year, we see small ants crawling around the house. We didn't see it as a problem since there weren't that many and it's honestly quote normal to just see a couple of an wondering around. A year later, around spring season, in a couple walls from a room, we see a discharge of trash come out of the bottom from between the walls. It had dirt, dead ants and wings seems to be carpenter ants. Immediately we call a couple of exterminators and they both concluded it was carpenter ants. Ok fine, we went with orkin services which sold us a contract to treat inside and outside. A year goes by and we are still sewing these ants crawling up the house from outside and the discharge every now and then. After constant contacts with Orkin and them coming to treat them we didn't see any progress with them. We decided to not renew our contract. We called and they insisted on sending out a tech to check out the issue. The guy gave me a rundown that it is definelty a carpenter ant and that they need to treat specifically for that..which I though that's what they had been doing. Apparently he said that we had just been getting the common pest control plan. WHAT?!?! The issue is not common pest but a pest specifically!! I got mad, they tried to sell me more services and then a perimeter cleanse and what not. He kept insisiting on selling me the 10k services. Kicked him out the house respectfully and blocked their number. Present: Which leads me to now. I'm now trying to treat the ants myself and bought these terro ant bait stakes, terro liquid ant baits for indoor, and the Terro ant killer shaker bag I've had these for about 3 weeks now and the ant seem to be eating it but there are still so many ants coming into the home. I see them going into the stakes and piling it up with dirt as if they were closing these baits off. Smart Mfkrs lol Anvone have anv more ideas on what I could do? I also tried plugging up the holes but they just creat new ones lol

So I reside in Minnesota, our loan company is Mr. Cooper. We are behind a little bit February and March, but will come through before the end of the month to fully catch ourselves up again. They sent me an email stating our loan is in default? How is that possible when it states we are barely in their words 39 days late on the payment? Can they default our loan just for that? I’m going to be calling tomorrow to ask since we’re paying the full amount before the end of the month if it’s okay. But I really can’t wrap my head around the fact they defaulted so quickly. Has anyone else dealt with something like this? Or specifically this company? Much appreciated for answers!

Hello kind community. I am trying to make a decision for our 7.5 year old sweetheart. So, we have been on Pet's Best since she was young as my wife was able to get a discount through her employer. At 5yo, our dog suffered a bout of IVDD stage 4 and needed a hemilaminectomy surgery. (came in to something like 14k and we maxed out our 5k coverage.) The surgery went great and she recovered relatively quickly with the help of a lot of alternative therapies. Unfortunately, when we signed on for Pets Best, we did not opt for RAC care (rehab, acupuncture, chiro) We didnt even know this was an option at the time, it would have been a massive help had we had the RAC, so tip - OPT FOR IT no matter what, or make sure your provider covers this. Pets do SO well with "alternative therapy". Since the IVDD, we have been regularly seen by a vet who specializes in holistic offerings. She receives acupuncture and laser therapy and it keeps her in really great shape. She is about 80% to where she was pre-IVDD, but if we go to long without the acupuncture, her mobility dips some. These visits cost about $275 each. She also developed an eye condition (Keratitis & Keratopathy) about a year and a half ago, and has been seen by an eye specialist to reverse and retard the condition with eyedrops with great success. At this point they only want to see her 1x/year. Latest note from this vet reads "She has no active keratitis, controlled (if anything, improved) corneal pigmentation, and is otherwise normal on exam." Pets best has been paying our claims for these visits. The only other claim we've submitted was for getting a foxtail pulled out of her ear canal. \* So, Pets Best sent us a notice of a 2x increase in our premium, leading us to look in to switching to see if we could get something better. Through this wonderful community I came across Physicians Mutual and am feeling like it will be a better option, and that even if we end up paying more we could be in better hands. My fear, however, is that in the switch, anything related to her eyes will be seen as pre-existing. It would be great to get that yearly eye specialist covered but I understand that it may not be if its related to the keratitis. But in the future if she develops cataracts, ulcers, etc in her eye, could it be denied? **My main question**, is related to her mobility upkeep. Would we be able to get acupuncture + laser covered under alternative therapy, as "preventative care" instead of having it tied to the IVDD? Its unclear in Physicians Mutual's documentation how they provide/decide for alternative care. She has not had any incidents related to IVDD in 2.5 years, but there is always a risk that it could show in another area of her spine later. Does anyone here use Physicians Mutual for Acupuncture, or has anyone here successfully added RAC care to their Pet's Best policy post-incident? I feel that even without her history, as she ages we would be opting for regular acupuncture and laser as her primary preventative care. Any insight is greatly appreciated, thanks everyone.

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?

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.