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!

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?

Progressive offered me $750 for diminished value based on costs they incurred for the claim. They did not even consider the actual cash value of the vehicle. For context, this is in Texas and the claim was made on the other parties insurance and I was found at no fault. The car is a brand new BMW M2 and the total repairs estimated around $4-$5k including labor. There’s definitely more than $750 of diminished value since this is a performance car and now has an incident on the car fax. According to the representative, they are not willing to offer more even if I get an estimate of the actual cash value. Do I have any options outside of just accepting what I was given?

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.

I bought my house in 2019 from my father. He says he had the roof replaced in the last 10 years or so but doesn't have any documentation of it. When I started my policy with Allstate they sent an inspector out to inspect my house and issued my Policy. Last month, we had a bad hail storm that damaged my roof. When I tried to file a claim for it they are asking for proof of age roof, which I don't have. Shouldn't this have been asked for back in 2019 when I originally got the policy? Do I have any recourse in this situation? TIA!

Has anyone ever heard of a requirement that a wood fence needs to have 5 feet of metal between the house and the fence for homeowner's insurance? State Farm is mandating that we replace 5 feet of our wood fence that is closest to the house with metal for the policy to go through.

I recently had a doctor’s visit wherein I was given Botox injections to aid with migraines. When looking up the cost ahead of time, I was told that with insurance the cost was typically $200, and without insurance it was about $600. I’ve just received the bill from my health insurance provider, and according to them, they covered approximately $2000 of the procedure which leaves me paying $750. That’s more than even the estimate WITHOUT insurance. I’m not sure how this became such a ludicrously expensive procedure compared to estimates online. Does anybody have experience with this sort of price gouging before? I’ve already called the hospital and they insist that the cost of the procedure is $2000, and then there were additional costs for “processing fees” due to my insurance. What is going on here? Let me know if there’s another subreddit I should be posing this question towards, too. Thanks!

What happens if I don’t pay my cancellation fee from my last auto insurance company? I cancelled it before the end of the policy for the same coverage at a different company for more than 200 dollars less a month. I didn’t realize I would get a cancellation fee it’s not much but out of principal I don’t see why I have to pay this since I paid the whole month in full and cancelled before the end of the month if anything they should refund me for the days I didn’t use. they’ve been calling me and emailing and snail mailing me everyday for payment. What happens if I don’t pay the cancellation fee? All I’ve seen online is they can cancel your coverage but my coverage is with a total different company now so they can’t cancel that. Would it go on my credit report somehow?

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????

I have an interest-free card that I used for some remodeling on a property. It is interest-free for 18 months, so I charged all materials and labor to it. The first payment was due yesterday, and I set up autopay from the property's bank account. The autopay only had one option: "amount due." I naively thought that meant the minimum amount due, not the entire credit card bill. Well, yesterday, the creditor withdrew the entire amount from the bank account. The funds were there, so it was not returned. I called Chase (the card issuer) last night when I saw the transaction pending, and they said they couldn't help me since it was on autopay. I called my bank this morning, and they said they can't help me either since it is an ACH. They mentioned that I could possibly dispute it, but that process would take almost two months. Is there really no way to reverse that charge and pay them the minimum amount due instead? I got the card specifically to avoid impacting the cash flow and had a plan to pay it off while it was still interest-free. I genuinely did not know the amount Chase was going to deduct, it did not tell me when I set up Auto-Pay or anything. Am I just not talking to the right people, or is there really no way to assist me? ********* Update: Called Chase again and a manager helped me. She said since I didn’t have a minimum payment due, the option wasn’t there to pay minimum and that’s why I only had the “pay amount due” option. They are refunding me! And I don’t owe anything till August.