Hi all, I have an employer health insurance plan through my union and apparently a few months ago they had to abruptly change their mental health portion of my insurance plan. I am trying to get a therapist but my therapist says my insurance is not accepted because I am a part of a health concept plan but my employer who handles my insurance says I am not apart of the plan anymore and that I have anthem PPO. I’m in a constant loop of insurance saying one thing and my provider saying the other. The Union who handles my insurance tells me to tell the provider to call them but my provider uses a system to verify coverage. I’m not sure who to call or how to get this resolved. When I called anthem they transferred me to my union. When I called the union they said anthem handles that portion of the plan. I think I’ve been passed along every department now. Any advice would help.

I had to get a new car unexpectedly in April. My AAA car insurance period was Feb-Aug. Called them on April 7 to let them know I got a new car and the premium was crazy, but you can't drive without insurance so I kept it. Shopped around and got a new policy for much cheaper starting May 1. Called and cancelled AAA and the agent said I might get billed a cancellation fee. NBD I thought. Nope. My pro-rated term premium was $840. My payment due after cancelling was $310! The math ain't mathing. $840 for coverage from April to August comes out to $168/ month. I wasn't even covered by the new rate for a full month. I've already called and the agent just said its a combination of things like the short rate and cancellation fee, but she can't give me an itemized breakdown of charges. Anyone got any advice? Is there a way to get out of paying this or at least getting them to come down?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Has anyone subscribed to a Metlife cat insurance lately and selected the preventive care plan (375/575)? Are the individual limits (dental, Microchip, etc)clearly outlined in the policy packet? I bought a plan for my cat in March 2024, and there was no such limit (so the preventive care limit for a dental cleaning was the same as the original policy limit). I guess they were the only one to do that and they aligned with most other insurances.

I’m in shambles. A surgery out of network I was approved actually late last year is somehow now denied in network now? And the record of approval is nowhere to be found?? Literally saw it three weeks ago. I want to make sure this appeal hits the ball out of the park with all necessary info but it’s such an uphill mountain and I was so happy for a month and a half excitedly waiting for my surgery next month. Please help.

A couple months ago my car was parked and someone hit the back of it (they were parked behind me). Luckily my dash cam recorded everything. I contacted the local police and they went to the man’s house and he admitted fault saying “ I didn’t think it was that bad”. I declined pressing charges as this man was older and In just wanted his insurance info thinking it would be a simple claim. Alas, here were are with State Farm trying to get me to use their preferred body shop and only approving 60% of the estimate. I know they tout the benefits of using their contracted shops but I don’t want to do that. I got two estimates from two reputable shops showing what the cost to repair should be but they don’t want to budge. I also understand that if I go to a non contracted shop then the shop can request supplements for more money from insurance to complete the repairs. I just don’t like being liable for any monies not agreed to by State Farm if that situation were to happen. At this point I’d rather just get the amount the two shops quoted me to fix it and go that route. I’ve compiled a demand letter requesting that amount, along with 10 days of a rental care cost. I think this is fair and hoping this will resolve the claim. Think they will agree?

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?

Hi all! I’m trying to submit out of network bills to Oxford for my sons intensive out patient program. I’m getting denied for this reason, “Benefits for this service are denied. Your provider has billed more units than what is allowed in one day. The allowed number of units have been processed on a different service line. (CES024)” I’m in NY also Thank you

I decided to delve into my homeowners policy to understand it in more detail because of a current potential claim. I was amazed that the 30-page document that I had from Allstate didn’t include may details beyond our coverage limits. There were 8 “amendments” listed, but only 2 were included. After chatting with a customer service rep, it appears that the information I need is in the “policy jacket”. Amazingly, I can’t get an electronic copy and have to wait 5-7 business days to get a copy in the mail. So much for paperless.

Hey everyone, This is a follow-up to my earlier post about trying to cancel my Wawanesa auto insurance (I’m the guy paying $750/month for a commercial plan meant for Uber Eats, which I barely do anymore). My regular broker had gone silent for a while, but I finally got in touch. Here’s the update:- My broker confirmed I can cancel the policy early. However, he says I’ll have to pay two months' worth of premium upfront as a penalty — that’s around $1,500. The new policy I’m eyeing (with TD Bank) is non-commercial and about $450/month, but they also require 2 months paid upfront to start coverage — that’s another $900. So basically, to switch policies, I’d need to cough up $2,400–$2,500 upfront, just to get out of this $750/month cycle. Now I’m stuck asking myself: Is it even worth switching, or should I just suck it up and keep paying monthly till my current policy ends in November? Will I even save enough in the long run to justify the upfront hit? Has anyone else dealt with a similar situation — switching from commercial to personal auto insurance mid-term? Any creative options or negotiation tips I could try with either Wawanesa or TD? I’m still trying to be financially smart here — just don’t want to end up spending more just to spend less later. Appreciate all your input!