To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.

Idk but this happened nung January pa this year, but I have come to notice that yung mga agents nila sa malls (esp sa SM) are not working professionally. I get that gusto nila makabenta pero di naman tama yung 'tactics' nila. Kaya napagkakamalan silang scam eh. Well my personal experience, would say parang na scam nako. May babaeng lumapit claiming na may ibibigay daw silang prize if sasali ako sa "raffle" kuno nila, makikipag usap tapos pupuriin pa then the next thing I know is papuntahin ako sa office since kukunin ko daw yung prize without knowing na dito na mag sisimula yung kalbaryo ko. May FA na kumausap, mag bibigay ng advise or whatever. Ako naman, I thought nag mamarket lang, umabot kami ng 45 minutes don then yun na pala, ipa aavail na ng policy nila. I declined first, sabi ko "your agent said na di kayohihingi ng kahit anong money or what, so bakit kailangan kong bumili ng policy niyo?" Nagalit pa yung FA, inulit yung mga sinabi kanina. Ang ending napabayad ako ng about 9k good for three months na yun. Nakakbweset lang kasi bakit kailangan mang linlang, and bakit may pamwersa sa mga tao kung tatanggi. If you're a professional, you would not get mad at someone saying "AYOKO", and in the first place dapat di na kayo nag sinungaling na wala kaming babayarang kahit na ano. - just a rant lang, nag lapse na yung policy ko since di ko na tinuloy yung pag hulog, sana napakain nila mga pamilya nila sa 9k na kinuha nila.

I had Bristol west insurance and found a better price for auto insurance. I called Bristol west and told them not to renew my policy and have me removed at the end of my policy. Turns out they completely canceled effective the date I called. I received my refund they owed me and thought everything was good. Til I started getting emails and mail from them saying my renewal fee is due. I’m not paying it because I was told my insurance was canceled. I just hope it doesn’t affect my credit because of a payment I’m not responsible for. Anyone else have this issue??

Location: Wa State, USA Last month I went to the ER, while they there asked about billing insurance and I told them to use my state provided insurance which they had on file. Apparently they charged insurance from a provider from my old job which i haven’t worked at since December of last year. I never signed up for health insurance from my old employer. I did have dental through them at one point but that was it. Today i get a bill from United Healthcare that states i owe them $4300 from my hospital visit when I shouldn’t even have their insurance in the first place. I’m not sure where to start to get this resolved. My old employer? Hospital? Lawyer? I’m not even sure if this is the right sub for this but I’m just angry and confused so any help would be appreciated.

Hi all! I have a 13 year old German shepherd mix Pitbull grandpa baby with no pre existing conditions. I took him to the vet recently and it looks like he may have signs of arthritis at his back legs. Aside from that he is relatively healthy and has a few years strong(hopefully) My question is whether to continue my current insurance with nationwide or switch to something relatively cheaper/better or stash cash. I recently used it for his visit and they only covered 70 % of the visit, vaccine was not included and I have a 250 deductible. My premium is about 200 a month. My family and I think aside from emergencies and possible end of life care we’re not sure if the premium is worth it. Any advice is deeply appreciated!

I bought a brand new 2025 Kia K5 a few weeks ago. I financed it through Kia Finance. I temporarily unfroze my credit to do so. It has been a few weeks now, and I have received two letters (one from Wells Fargo, the other I forget) stating that my request for a loan was denied because my credit is frozen. I think Kia Finance is trying to sell my loan and they cannot. What should I do? Is this going to cause a problem?

Location: Dallas, TX. I was out of town in November, and my vehicle was being driven by my housesitter, who was involved in an incident where (I believe) the other driver was at fault. She stated she was sitting at a four-way stop when it was her turn to move forward and a driver came through the intersection without stopping and swiped the side of my vehicle. He provided to her his drivers license and car insurance information at the time of the incident. When I returned from my trip, I filed a claim with his insurance, which was USAA. No police report was filed. I have insurance through Texas Farm Bureau but liability only with a 1k deductible. The first agent I worked with at USAA was completely unresponsive, I reached out multiple times to her over the course of several weeks before I had any follow up and had to escalate my claim to a manager. Finally, a second agent was assigned. The second agent originally told me that, based on the first agent’s notes, the claim would be closed in my favor, she just needed to verify with her manager because no one had been able to contact the driver. The next time we spoke, however, she said they needed to speak with the driver to verify events before they could close the claim. Basically, over the course of several months, the driver refused to contact USAA or speak with them about the claim. According to the agent, they sent several letters and calls. I’ve just received a denial letter from USAA and the advice from the new agent is that I file a claim with my insurance and they can try to recoup any monies from USAA; however, I’ll basically just be paying out of pocket bc of my 1k deductible and liability coverage. I haven’t gotten an estimate on my vehicle yet but the damage doesn’t seem extensive, I would think maybe $1000-1300 in repairs; however, much more than I can afford. Do I have any recourse to get this handled with USAA? Updated to add paragraph breaks. :) Also updated to say I will double check with my agent about my policy tomorrow (they're closed now). I thought I had liability with a 1k deductible but I'll double check on whether or not thats for collision coverage. I looked at my policy documents and I can't tell what I have... Thanks for all the help !

Age: 37 State: Ohio In December of last year, I was recommended to get a colonoscopy due to family history. When I spoke with the specialist doctor, he said that "since you'll be under (anesthetics), we could also do an EGD." He then asked if I ever get heartburn, and I said sure but it was infrequent and I knew the triggers and how to take care of it, but if, like the colonoscopy, my insurance completely covered it and I wouldn't be paying, I'd be okay with that. He said sure, they could do that. Fast forward a month later and the hospital is charging me because they submitted the EGD as diagnostic. So the doctor ignored the condition under which I agreed to the procedure. I've been fighting this ever since then. The hospital investigated and since they don't keep audio with the cameras, and don't have call logs (the doctor's assistant called me a few days beforehand and said they convinced my insurance to cover the EGD, and I confirmed with her that I wouldn't have to pay for it), they're refusing to do anything about it. The bill is about $1,900. I've filed a complaint/appeal with my insurance, but that takes up to 60 days, and is still going through the process (I had called them the day before the procedure and confirmed it's "covered," and the CSR said yes, she sees that that's been approved). I e-mailed the state department of health, talked with the state hospital association (they have no legal authority and can't do anything), filed with the BBB, filed with the state attorney general, filed with the Centers for Medicare and Medicaid, sent my story to the local newspaper, left a Google review, and am waiting to hear back from the state insurance department (they can't do anything until my insurance appeal gets resolved). My last option is to sue them in small claims court. The lawyers in my area said they don't handle cases like mine. What umbrella term would this fall under? Misrepresentation / promissory estoppel? The only lawyer who agreed to a consultation said it's better to go after the insurance company, but I don't see this as their fault. I can also call the hospital and negotiate a lower repayment, but I'm angry I have to pay anything at all when a promise was made to me that I wouldn't owe anything. Is this something I just have to bite the bullet on? Edit: Thank you to the 20% of people who explained what the hospital staff should have explained to me, gave me options to pursue, and ideas on how to protect myself in the future. The rest of you, I hope you understand that the vast majority of people don't work in this industry, and blaming the victim of a convoluted and broken system is real shitty.

Location: Georgia, USA Hello everyone- My brother was in a motorcycle accident April 6, 2024. He was in ICU for a month and discharged in July, 2024. During that time he did not have his phone, access to email, or ability to check standard mail. My brother was a PE Teacher and football coach in the state of Georgia for 27 years. All of his insurance premiums were paid for once a month in his paycheck. The state of Georgia agreed to early retirement with benefits beginning July 2024. Blue Cross informed him last month they were dropping his insurance for delinquent payments. His appeal was denied. My brother is looking into COBRA as well as ACA. What steps should he be taking to get the necessary pain medications he needs daily? Thanks!

I’m 20 Male, In California, 2 years driving record with a Clean history. I’m buying a New Ford Maverick 2025 XLT and looking for insurance but I keep getting quoted around $2300 total for ONLY 6 months. This seems insane I know my age and new car and more plays a role, but even then it seems absurd how much it is for just 6 months not even an annual term. Is there anything I can do, or people that might offer me better prices or discounts. I’ve tried most companies and feel as if I won’t get anything better then $2,100 from Progressive.