Hello, I'm new to having car insurance, when I enrolled progressive the asked me to enroll in snapshot to get "an special discount" after signing up and realizing the app had to run always on the background I deactivated it. The thing is I've been getting emails from them saying reactivate it to keep your discount. Is it really worth it to have it activated? I've seen some people saying their rate actually went up by having it on.

Cardiologist ordered a CT for my heart. Pre-authorization approved by insurance but for cost estimate at BCBS website I will still roughly pay about 2K while they will cover about $1600. I have BCBS PPO with $3200 deductible. Would the hospital billing department be able to give me my actual cost before I go through with the procedure. I just don’t want any more surprises after getting hit with a $3K hospital bill for my son’s ambulance and ER TRIP.

FYI Thin Blue Line Benefits now has a company called Live Freely Health contacting members about claims. I got an email and then called them. TBL did not send out a message stating this would happen. The rep at Live Freely said they are just letting people know the claims will be processed. I personally call it "buying time" and would not give them any personal information.

Here’s my situation: I’ve got 27k in debt across 3 credit cards, thanks at an accident last summer that insurance wouldn’t cover. I own my home outright. Zero mortgage, 8k/year in taxes. The obvious answer is to take out a home equity loan, but here’s the rub: I’m self-employed and have zero proof of income. I don’t draw a paycheck, and haven’t filed taxes since 2021 (reportable income has been less than the standard deduction, so I was advised I didn’t need to). The business sustains itself with profit, which is all reinvested in the company. Other than becoming the Gustavo Fring of the Southeast, does anyone have suggestions?

Question about marketplace insurance vs. private. My husband and I are partners in our own business so we got on a family marketplace plan this year after much due diligence on my part to ensure our providers were in network. We found out the hard way that just because some hospitals in a health network are covered, doesn't mean all are covered. This was upsetting to us because having both worked for the large health networks around us, we know where you go for procedures matters. I did a search of all marketplace plans for the 2 hospitals we prefer and NONE are in network. I got an email recently from an insurance broker who quoted me a price for Anthem BCBS that is a few hundred dollars cheaper a month than our marketplace plan including subsidies. There is a small deductible that I don't have with the marketplace plan and some limits on how often we can utilize a service but this would be OK with me if we could go to the hospitals we prefer. I'm also worried the healthcare subsidies will go away next year so finding a cheaper plan puts me a bit at ease. Is there anything I need to be super aware of with private plans? I'm curious how a private plan could be cheaper than a marketplace plan which is what is making me wonder if it's too good to be true. Thanks for any insight you can give!

Posting to hopefully shed hope on people in similar situations! One year ago today, we were involved in a MVA. From the start, Allstate began the claims process incorrectly, failing to send a field adjuster out to inspect the vehicle for hidden damage before beginning repairs. Several months later during repairs, the body shop found hidden frame damage. This led to the vehicle being deemed a total loss. We have fought with Allstate for well over 8 months, trying to get responses from our adjusters, managers, and the ombudsman with virtually no responses. 3 months ago, they provided a settlement offer. The amount was low. They specifically advised us that we could send comparables that were listed through Autotrader and other local sources ONLY. The car was a specialty sports car, with comps not widely available. I sent comps from alternate sources, not accepted by the insurance company. After a long silence and a lot of frustration, they agreed to the sources I gave and eventually settled with an amount 40% higher than the original offer. I know that there is normally about 10% wiggle room on settlements however, with a lot of time and patience, we were able to get them up above what we even believed the vehicle was worth, in addition to a reimbursement of all premiums paid on that vehicle post-claim while they wasted time by not replying. I hope this is motivation to those dealing with similar issues to not give up, even when things are bleak. It took a year between screw ups, lack of communication and delays but we got there. And please, do yourself a favour and avoid Allstate!

My son has two insurance policies, one with me and one with his Dad. Both plans are with BCBS. Dr office called to tell me they can't run the claim because BCBS website is showing that he is inactive on Dads plan. Dad says plan should be fine. So no idea why the Dr office is seeing that. I asked if they could just run it under mine and they sad it won't work because Dads plan is inactive and the my plan won't pay until it's resolved. This doesn't make sense to me. Why would it not process with my plan just because Dad's plan is inactive? Wouldn't this be the same as my son only having one insurance plan now and run it without the secondary attached? Can someone break this down for me?

I'm on my mom's blue cross blue shield medicaid IL insurance and for some reason I was kicked off last month and now it says I'll be back on next month. My mom isn't sure why that happened. When I tried to make an appointment yesterday my bcbs insurance ID wasn't working when it always has. But I NEED to go to a hospital some time soon. Will my medicaid ID work or are they together? If it doesn't work does that mean I'll have to pay out of pocket if I go before next month.

Hi all, Hoping someone here can help me make sense of this or share advice on next steps. I recently had a BRCA genetic test done through Labcorp. Before the test, I received an estimate of $43.17 and got pre-authorization from Anthem. Everything looked good, so I went ahead. Now I’ve received an EOB from Anthem denying the claim. They say I’ve reached my “once per lifetime” limit for BRCA testing—and they’re expecting me to pay $3,000 out-of-pocket. I called Anthem, and they said the correct CPT codes were used and the denial is based solely on the lifetime limit. But I have never had BRCA testing before. It’s my first time. Anthem is now reviewing the case, but I’m trying to understand what might have gone wrong. My theory is that their system may have logged the pre-authorization itself as a completed test, and when the actual test was billed, it triggered the “second” test denial. Has anyone seen something like this happen? Thanks in advance!

Hello all, I am here hoping to find some clarity as to what happened and if I did anything wrong. For context I am chronically ill and have ESRD (end stage renal disease), I am on dialysis 3 times a week, awaiting a kidney transplant. For the last 3 years I have had Medi-Cal and it was handled through California DPSS. This has been the case since I applied. Even when I went into kidney failure and went on dialysis, my medi-cal was still handled by DPSS. I even subsequently applied for Social Security Disability and still my Medi-cal was handled through DPSS. I was just hospitalized last month for a week, so I know that my insurance was definitely still active at that point. Well today, I called my PCP to make an appt and was told my insurance was no longer active. After HOURS of standing in line at the DPSS office, I find out that my medi-cal was transferred to Social Security at the end of March - Without giving me any notice: not even so much as a letter. I’m baffled… I now have to restart the process of picking out a medical group and all that stuff… how did this happen?? Why?? And did I do something wrong????