So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC

I have BCBS Horizon of NJ PPO. It’s my dad’s plan thru his work at a large sales company that has no religious affiliation. He’s worked there only a few years definitely after 2019. His job is in NC, I’m a MD resident. Currently battling insurance for a bilateral salpingectomy which is a form of permanent contraceptive and falls under preventive care and the ACA. My plan offers preventive care 100% covered in network. My insurance is telling me it’s covered at 80% after my deductible is met ($1200). One rep even told me my plan must not be aca compliant then. I looked into that and BCBS NJ horizon has not offered a non aca compliant plan since 2013. This rep is flat out lying, right? Well she gets a supervisor involved and he can’t confidently say whether my plan is aca compliant or not. It covers birth control 100% (I currently am on a 100% covered by them birth control). I think they may be looking it up as an outpatient surgery and not as preventative care. How do I tell them to look at it from preventative care and not outpatient surgery? Is it even possible for my plan to not be aca compliant? I’m currently in communication with an hr person from my dad’s company. She hasn’t gotten back to me yet and I really want to sleep tonight. My surgery is March 27th and I really can’t afford for it to not be 100% covered. Please help 🙏 💜

I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc. I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records? Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?

I filed a claim with my insurance company (Liberty Mutual) for wind damage to my roof back in early January. Now it's late March, and I still haven’t received a decision. The adjuster is not responding to my calls or emails. Meanwhile, my roof is in bad shape. I’ve had multiple roofers take a look—some warned that roofing material prices will increase 6–10% after April 1st (I confirmed this independently). I'm torn: should I go ahead and replace the roof now, or wait for the insurance company to respond? **Background:** * I live on the southeast of MA, where we had multiple wind advisories and high-wind warnings through Jan/Feb. * My roof is over 20 years old. After one windy day, I found shingles (including ridge shingles) in my yard. The attic started leaking during rain/snow, so I had to build a makeshift water catchment system. * I contacted two roofers. One said it looked like clear wind damage and advised filing a claim. * I filed the claim, and per the insurer's request, I had temporary tarps installed by the same roofer who suggested filing a claim. * The adjuster and their inspector came, acknowledged the damage, but said it wasn’t wind-related—claiming it looked like "mechanical" damage. They seemed skeptical of the roofer I hired(4.8+ rating with years of view history on google). * Waited another 2 weeks, they brought in a third-party engineer, who inspected the roof and told me he believed it *was* wind damage and saw no signs of mechanical damage. He submitted his report to the insurer. * Since then, another week passed. I contacted the engineer, who confirmed the report was sent, but said I’d need the insurance company’s approval to view it( so no access to the report). It’s now been over 10 weeks. I can’t wait much longer with such a vulnerable roof, especially with prices going up. I understand it’s an old roof, and some might argue insurance shouldn’t cover it. But it was functioning fine until the storm, and I *do* have replacement coverage. (Also worth noting—my premium is over $2,800/year.)

My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

This is not a rant, just a breakdown of some shady payment manipulation Citi, and perhaps other banks, are pulling with their system. I caught them trying to sneak interest charges on me and got gaslit by their customer support when I called them out. I used Citi Flex Pay, which is a low interest installment plan that lets you break up large purchases. My last statement balance was \~$1800, with \~$1200 of that being on the Flex plan. This means that my actual non-flex purchases were only \~$550, so to avoid interest, I just needed to pay that amount plus my current Flex installment (which came out to $749.15 total). Here is where they tried to screw me over: Instead of giving me the actual amount needed to avoid interest, they suggested I pay $578.67, labeled as "Remaining Adjusted New Balance + Flex Plan Monthly Payment." Looks reasonable, right? Wrong. That number doesn't actually clear all of my non-Flex charges. It leaves about $200 unpaid, which rolls over and starts accruing interest, exactly what I was trying to avoid. After double checking my math, I called support to see if I was doing the math wrong. This is where they straight-up lied to me. The rep swore up and down that $578.67 would cover everything except future Flex payments (it doesn't). He told me I must have done my math wrong (I didn't). He said I must not have read my statement correctly (I did). When I told him (verbatim), "If I pulled shit like this with a client, I would be fired," he doubled down. Then he offered to take my payment over the phone, as if I would trust them at this point. I just said goodbye and hung up. This is no mistake: Citi is intentionally misleading customers to trick them into paying just slightly less than what's actually needed to avoid interest. If I had not checked the numbers, I would have unknowingly left a balance that would have started accruing interest. They know most people won't do the math and will just trust the suggested payment amount. **This is how banks squeeze money out of people who think they are paying their balance in full.** The takeaway from this: If you use Citi Flex Pay (or any structured payment plan), do your own math. Don't just trust their suggested payment. To avoid interest, you must pay: (Non-Flex Portion of your last statement) + (This month's Flex installment). If you are unsure, manually check your statement and confirm where every charge is coming from. If Citi (or any other bank) tells you a different number, ask them to put it in writing. (Spoiler alert: they won’t, because they know they’re misleading you). The only way to avoid getting screwed is to double-check their math and never assume they have your best interest in mind. I’m sharing this because most people assume their bank is doing the right calculations for them, but they’re not. If you have a Citi Costco Visa or any card with Flex Pay, always verify before paying.

Long story short I was in a car accident and State Farm went from saying my car was a total loss , then now not total loss. I didn’t accept it because my car is undrivable. I have been fighting them for months and I am in process for interviewing attorneys.. I lost my job and my home because I haven’t been able to work without a car. It’s been months. I went onto my account today and I saw a check for $2200 it said supplemental payment. I called and an agent that wasn’t my adjuster, because it’s the weekend & she stated that it was for damage from the car accident that they are paying for. My question is if I cash this check in my screwing myself to go forward and suing them for more money and for what the car is worth.? I know that you can cash a check in New York State and reopen a claim. However, I’m not sure about going forward and suing if you accept the money. I know that on a paper check sometimes it will state that you waive your right to sue them in the future. The paper check would include accompanying documentation often with a waiver stating you release further claims by accepting it. However, it is a digital check. I really do need the money so I don’t know what to do and 72 hours to cash a digital check will be up by tonight, I also noticed on my account that the claim is closed and the car was a total loss!? Any advice on what I should do with this check would be greatly appreciated ! Location: New York

I was insured through United Healthcare via my employer in Texas. My employer paid premiums monthly to cover the following month’s insurance (monthly payroll). On March 12, 2025, all employees were notified via work email that we were being placed on unpaid furlough effective immediately. We were told we would still be paid for work performed from March 1–11, with payroll running as usual at the end of the month. I didn’t hear anything else from my employer until April 2, when I received a letter in my personal email stating that we had all been officially terminated effective March 21, 2025. The issue is that I saw a specialist and had exams done on March 24, unaware that I had technically been laid off on March 21. The same day I received notice of separation (April 2), I called United Healthcare to check on my coverage. They told me my insurance appeared to be active and didn’t show any indication that it had ended. However, when I checked the United Healthcare app today (April 5), it now says my coverage ended March 21, and they have denied the claims from my March 24 visit. I had no way of knowing my coverage (or job) had ended at the time of the appointment. I’m concerned my employer backdated the termination or insurance cancellation, and I’m now stuck with bills for services I reasonably believed would be covered. Has anyone dealt with something like this before? What are my options here? Should coverage have continued through the end of March? Additional information: I have since found out my employer filed for bankruptcy, without letting any of us know, and none of the employees were paid for their time worked in March 1 - 11th. Any help or guidance would be appreciated I’m unsure how to navigate this situation.

Been a loyal member for years. Got a rock to the windshield of a 21 Toyota Prius Prime. On March 8. I reported it and it got pushed to Safelite. They are the contractors that ACSC uses to replace auto glass. However for some administrative reason. ACSC failed to approve the claim to Safelite. After weeks of phone calls i finally get an approved claim. However they require additional ACSC approvql to unstall the requested OEM Glass. This gets approved. After 5 days i call back and i am told thatbwhen the glass gets in they will call to scheduleinstallation. This Morning Auto Glass Now calls me to make an appointment. Im there 20 minutes early. I come back ajd wait in office. Tech reports that he cannot run the OBDII decice that is required to calibrate the safety systems in the car. I ask if they want to call the insurence company, and return my deductable? They insist on showing me that it dosnt work. But they can replace the windshield with out calibrating the systems. I refuse. Tech gets on the phone with someone that walks him through connecting the device to my car. It works. I am again waiting again. Do I complain to ACSC? Safelite? Do i find a new insurencw company? Thanks in advance!