I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

I started getting calls asking if I am accepting new patients. I just said, I am sorry but you have the wrong number. After the fourth call I asked who they were trying to reach. I was told the name of the doctors office and read the number to me. It is my personal number and I have had it for 22 years. I went onto Blue Cross Blue Shield site and looked up the office and it does show my number. I contacted BCBS and they told me that they looked it up online and it is a different number listed there but they cannot do anything. She then told me to call the office and see if I could get them to change it in the providers portal. No one is returning my calls from this office, so no help there. I can't not answer my phone as I use it for my business. Any suggestions or insights would be greatly appreciated.

My company moved from Aetna to Cigna self-funded open access. Every month I submit claims for reimbursement with an out of network provider. The diagnostic codes never change but at least 2-3 a year, they play this game with me where they either lose the claim, claim is pending for weeks or the superbill is "missing" information even though its the same info every month with different dates. Of course, we all know they are just playing a game and trying to weasel out of paying me. Is there any where I can go to escalate these issues? My companies care advocate is useless but it feels like that is my only recourse.

My monthly premium with Embrace was $54 a month and I just got a notice it will be $93 a month. This is an obscene increase. My pet is an almost 8 year old male cat I have had since he was 2. He has been in great health with no issues. I’ve had embrace since I got him. Should I get new pet insurance? I’ve seen really mixed reviews about embrace being a scam. There is absolutely no justification for this premium increase in my opinion, but I’d like it get other thoughts.

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.

Location: Missouri Alright long story short, I had a car accident earlier this year that totalled my vehicle. I had full coverage insurance that covered the majority of the auto loan I had. The other party, the GAP insurance is to take care the rest of my loan. I got a piece of mail from the GAP people saying the check has been issued to my lean holder on February 11th, was told it should take no more than 30 days for that money to hit that account. So I called my auto lender to ask what's going on, turns out the GAP insurance company sent the check to the wrong address, that was March 11th. 30 days since the initial start of the GAP claim, I called them again today, March 25th to figure out what is going on. Come to find out they issued a new check on March 18th which was last week. It's been 7 days, nearly 45 in total since my auto loan should of been taken care of but it hasn't and I haven't been able to get a new loan due to my current outstanding loan that the GAP insurance is supposed to take care of. Basically I don't know what to do at this point, I'm still paying on the current auto loan cause I don't want it to effect my credit but at the same time I no longer have the vehicle since it's been totalled and taken by my auto insurance, what do I do in this situation, is there anything I can do?

So I have had AmFam insurance through Costco (live in Wisconsin) for a couple of yrs which comes with with a few perks that I thought would be helpful; non-deductible coverage for 1k to fix a window and $100 for locksmith if you get locked out. Well, in the span of 6 months I ended up using both of these but didn't know they get filled as claims against my insurance. Fast forward 6 months, and I just a notice of Non-Renewal because I have had 3 claims in the last 3yrs (I've a claim bcuz of lost baggage 3yrs ago). I'm calling around and getting a lot of refusals and getting a bit scared that I won't find coverage for the house. I tried appealing the decision but that didn't work either Is there any way I can drop these AmFam claims? Or known companies that would still cover here?

Hi all, Like the title says, I'm having a super hard time finding insurance. I've reached out to Next, The Hartman, and Hiscox; I've been referred to Tivily and then transferred from there to Thimble who turned me down, and I have yet to be connected to anyone who can offer coverage. I recently launched a for-profit s-corp, 501(c)(3) fiscally sponsored disability resource center that supports individuals across the lifespan in my community. We're launching an adaptive equipment library, classes and services, 1:1 peer mentoring, and community education. I'm the owner and we're a team of 3 volunteers. All of our service offerings are free but we're in the process of applying for grants and contracting with Medi-Cal, CalAIM, and SARC. We also are opening a physical center to act as a social/community space and adaptive store. Ideally, we will be expanding our program offerings this year. Everything is on hold because I can't find an insurance provider and we can't get contracts without it. Any help and advice is welcome.

I'm going to keep this as short and to the point as possible.. Before my job forced us to change insurances, my BCBS plan had an all inclusive copay, meaning when I visited my specialist(or anyone for that matter), I paid $70. That was it. I had been getting bimonthly infusions that cost just under $10,000. All covered under the $70 copay. Rad. When we were forced to switch, we had our choice of hundreds of plans. I tried SO DAMN HARD to get insurance plans to tell me what my infusions would cost under their specific plans and got stonewalled every step of the way. I had all of my billing codes and everything. Long story short, I ended up choosing one that I believed had a similar setup to my last plan: all inclusive copay. Turns out, it is, but they are trying to bill me for the prescription used during the procedure($9,000+). I have to pay for that($300 specialty tier med) AND the copay. They couldn't explain why that is a loophole. My infusion is a buy and bill, which means it is billed under MEDICAL, not prescription benefits. What am I missing here?? TLDR: "All inclusive copays" have loopholes apparently?

Like many people, I realized Optum HSA sucks and was trying to transfer over to Fidelity. I put in the request with Fidelity to initiate the transfer and saw that my funds were transferred out of my Optum account in early March via a check they send to Fidelity. Fast forward to this week, I talked to Fidelity several times since they had yet to recieve anything and in their words the timeline was odd. I call Optum and they are adamant that Fidelity should have received something and asks to me to confirm with them again by asking them to search by the check number. I trust Optum about as much as I trust the New York Rangers to win the Stanley Cup so I ask them to confirm where they sent the funds. They read off an address and company that I had NEVER heard of (it is a real HSA company though)... I then confirm they received the actual request from Fidelity and they dont need any additional information to execute the transfer since they ALREADY have the information they need... I don't have a huge HSA account so it was less stressful for me but I couldn't help but think how someone would feel with a HSA account with significant funds that they try to move towards the end of their career only for it to go missing. I'd have lost my mind in that situation! PSA: Double check everything and anything with Optum. If something smells fishy, it probably does for a reason.