So I have just passed my full A license test and as such now am a fully qualified rider in the UK. I was previously on a CBT so a learner. I phone my insurance company to update them, and they have said that because of my license change they would no longer cover me, as now I'm a "new rider" and my cover will end in 7 days. This policy is at 10 months, so because of me being MORE qualified to ride, I lose almost a full year no claims ? How can that in any way be fair/right ? Is there anything I can do ?

Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

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.

Don’t trust this company! We had our mortgage insurance one year from 2170 to the following year 4340! Double! Well our dwelling went from 356,000 to 375,000.

I hope the flair is correct. So I have Aetna POS II through my employer and my prescriptions are handled through OptumRX. I previously had Cigna health insurance for 2024 and was forced to Aetna cause plans changed and this was the cheapest one (even though it’s not cheap) I had an auth for Zepbound valid until 3/16/25 that was initiated in September 2024. Well my provider submitted a new auth and it was denied. Optum is telling me it’s my health insurances problem. Then Aetna tells me they have no control, contact Optum. My provider is supposed to submit an appeal but I’m feeling really confused. Who has control over the prescriptions then? How have I gotten two refills since January even with my health insurance changing? (Optum rx has not changed and I had them in 2024 too) Can anyone help me understand?

Really frustrated with navigating car insurance right now. I'm in Chicago suburbs, 2020 camry, and even though I have a much safer car than my previous nissan, this policy is a ton more expensive. My current 6 month progressive policy: 50k 100k 50k, medical payments 2k, uninsured 15k w 250d, comprehensive w 750d, collision w 1000d, and roadside. This costs $563, but with "discounts" or whatever i'm only paying 443 (though i've paid 82 for 6 months so it's Actually 493). It's renewing in 2 weeks and suddenly they want $1055, for 6mo. That's almost doubled WTF? I called, the person pulled strings and said it'd be $483 - just kidding that's if i changed my current policy. If i requote for one through feb it's $981, because I don't have an e-sign (and one other) discount anymore? And that would have saved me $400?? Make that make sense. She tried to see what it'd be if we minimized everything, 25k/50k/20k coverage with literally nothing else still would cost of $500 for 6 months. An independent insurance agent quoted progressive with my current (50k/100k/50k) coverage at $780. These are wildly different numbers. Any discounts available to me saved like 5 bucks. 1k over 6 months for car insurance is insane. I'm still learning to navigate insurance hellscapes. My biggest concern is hitting deer (i travel a lot) or objects on the road (there's always garbage i'm dodging on the highways), so i want at least comprehensive (or is it collision?) and roadside assistance bc I never learned how to do basic car repairs. 2k in medical payments will cover a band-aid at the ER, maybe, so i'm fine getting rid of that and minimizing underinsured (unless that's a bad idea?) and upping deductibles to 750 or 1k if it saves some money. I don't want to be throwing money away because of the appeal to fear that "something might happen" but also don't want to be underinsured and financially screwed if I hit a bumper or someone t-bones my car. Any advice appreciated.

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

Hello everyone, a couple of days ago I was involved in an accident where I was merging and hit a car that was in my Blindspot. I feel awful but I maintain that I did everything I could to avoid it. I checked over my shoulder. I use my blinker, my car has lane assist. The car that hit me just came out of nowhere. I took my car to an auto body repair shop that is owned by a family friend and they quoted my total repair at $7600. progressive told me that if the cost to repair my vehicle is 50% of my cars total value that they will just total it.. I do not want my car totaled as it’s almost paid off and I don’t think it’s even that damaged I could just replace the passenger door on my own and be done with it, I owe about $1700 on my car and progressive also told me that if they total it that the bank might take my car!! I would rather just go pay off my car and fix the door myself. Can anybody give me an input or help? To make matters worse my husband is active duty and we are leaving in 8 weeks across the country. I feel sick

Back story: I have purchased health insurance via the Marketplace (I'm in OR) for the past 4 years, same company, same plan. Expensive but I use a LOT of health care. This year the increase was substantial - $990/mo just for me -gulp- I knew there was a 90-day grace period to pay for the marketplace plans, and I (out of need, not playing games) basically went as long as I could without paying because it's sooooo expensive to afford and I am currently in a "borrow from Peter to pay Paul" situation. I *thought* I paid in full by the end of March - I had a major surgery April 7 that had been prior-authorized, etc. Then when a friend went to pick up my post-op medications the pharmacist told her my plan had been cancelled. Finally managed to get through to the insurance company and lo and behold, I was exactly $117 short of what I needed to pay for the full three months. So not only did they drop me before my surgery, but are actually dropping me retroactively to 1/31/25 and sending me my money back. Despite much pleading on the phone to the insurance company (Pacific Source), they are telling me that because I purchased it on the marketplace they can't do anything at all to help me. Marketplace says they have no idea how they could help. a) it's only $117 short out of >$2000 of premiums and b) we're talking 10 days past the due date, not like 30+. Does ANYONE have any ideas here??? Not only do I need to have this VERY EXPENSIVE surgery covered (it's going to be well over $50k), but I will need follow up care for the surgery as well as all of my health care needs this year (ie I take a biologic that costs $8k/mo). I'm literally panicking here....and no idea where to go for help or what to do. Any ideas????