I was laid off effective 3/31. (Thanks, Trump and Musk.) I filled out the application with PENNIE on 3/31. Got approved and told I have 60 days to select a plan. I called PA/PENNIE then. I didn't have my COBRA info yet so couldn't make an informed decision. I just logged back on to PENNIE and while it still says "you have 52 days to choose a plan," the effective date is coming up as May 1st, not retro to April 1st (like how COBRA works). I've called and the rep is not well-informed. The last time I called, another rep said "yes you can choose later and it goes retroactive."

Hi, I'm trying to reduce the chances that the insurance company not counting the copay card payments toward my deductible or out-of-pocket maximum. Does using their specialty pharmacy make that more likely? In other words, are they more likely to side with the insurance company? I'm with Anthem through the exchange, and their specialty pharmacy is Carelon. I read that accumulator programs have been banned in Nevada starting in 2025, but even the representative I spoke with at Carelon said that's not the case. thanks Matt

Title pretty self-explanatory. A lady hit my car in the mall parking lot while I was inside shopping. Car is a 2005 Chevy Malibu with 306K miles on it and a few minor dents and scratches. The damage caused by the lady who hit my car is significantly worse than any previous damage incurred and exceeds the value of the vehicle, so her insurance company wants to deem it a total loss and offer about $2K. I took the vehicle to a body shop to get my own estimate, which came out to be $3.7K. Insurance company doesn’t want to budge on previous estimate. I get that the car is old and not worth anything, but I’ve learned how to keep it running and can afford its maintenance. I can’t currently afford to get a new or spiffy used car, but I’m also not sure $3K is enough to get a solid cash car that won’t break down on me. I also live in Georgia, where having a salvage title isnt really an option. What would you do in the predicament? Any advice is appreciated.

They have declined every single submission I have made, saying out of network on everything (including doctors that are on their list). They won't even apply out of network payments I have made myself towards deductible. The insurance is a joke, I have to resubmit everything multiple times. I've been a massive fan of ACA till now (blue cross, Capital, etc). Is there anyway to get out of this insurance?

Hi guys, new home owner here, and I'm currently in a dilemma. So I bought my house a couple months ago and I had a Tesla Charger installed by an electrican that my dad found out about from a friend. After the work was done, I applied for a rebate from PSEG for the EV Charger that they're offering and I got an email from them saying I need to provide a proof of payment to the electrican. So here's the thing, all I have is an invoice, I payed with cash once the work was completed. I sent PSEG the invoice and told them I payed with cash, they replied saying that is fine, I would just need a paid invoice saying I paid with cash from the electrican. I sent the electrican multiple texts, on different days, even called him multiple times but no answer. I'm not really sure what to do at this point. I know he's certified, I have his electrical license which also has his address.....Intrusive thoughts are telling me to show up to his house Any ideas?

My spouse was in a not at fault accident that resulted in being in the hospital for two weeks. Since I had zero info on the other driver and the police report would take awhile I decided to open a claim with my insurance the same day of the accident while I was at the hospital. On the call, which I recorded, my intake adjuster stated they would pack up and ship our personal items from the vehicle and not to worry about it, just focus on the spouse getting better. There is no need to go to the impound lot. Fast forward two weeks and I asked my total loss adjuster where our stuff was and they said they have no notes from the intake adjuster to pack anything up and they'll make a note to do so now. Long story short, they cannot find our stuff nor can they find photos of the third party inspection of the vehicle after two months of back and forth. They said they don't pay for lost personal items and if I want the $1600 in items reimbursed I would need to open a homeowners claim and prove they were in the vehicle. While I understand this may be standard operating procedure, I told them I don't think it's right that we are being punished with a new claim after the intake adjuster failed to take due care and ship our items and how can we prove items were in a vehicle if they told us not to worry about it and no need to go to our vehicle in the impound lot while themselves are unable to find photos. I provided the recorded call and requested a supervisor, now my own insurance won't respond and has ghosted me. Shouldn't my insurance be held responsible if they offered to ship our items and failed to do what they said which sounds like negligence? Should I request this from the at-fault insurance company instead? Would filing a department of insurance complaint do anything? EDIT: TX

On March 11th, 2024, I had an outpatient surgery procedure done. Flash forward to today, April 8th, 2025 and I just received a bill for over $3000 for this surgery. The bill states that the surgery cost overall was $20,000 and my insurance at the time paid for ~$16,000. I was covered under United healthcare and this coverage ended about 5 months ago. Here are my questions: 1. Why am I just getting this bill now? Is this even legal? (I live in WI) 2. What would be the first step to getting this figured out?

# Update: Solved! Emailing customer support directly did the trick! Cheers to the awesome customer service reps who took the time to dig through old files and find my old policy based on my very scattered recollection of what email address or phone number it might've been associated with. Lesson learned: keep records, even beyond when you think you'll need them! Hi r/insurance, I'm currently trying to track down Letters of Experience from all my previous auto insurance providers in the US (to lower the cost of premiums in a new country where I've yet to establish much of a history of driving experience). I called Geico, who was my first provider from \~2006 to 2010 when I first got my license, but the customer service rep I spoke with said that any customer information that old would have been archived, and she was unable to find me in her system. (For context, after 2010, I moved abroad and relied on public transportation, so had no need for auto insurance — hence why I'm jumping through hoops trying to track down such old information.) Has anyone run into this? Did you have any recourse for requesting files be unarchived and a Letter of Experience generated? Any suggestions appreciated!

Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

I have Liberty Mutual I pay $364 I’m getting a new car and they want me to pay $600 any guidance on who I can try to get the new car insured through? It’s a 2021 dodge charger scatpack. i’m 24