I am due to give birth end of May. The hospital that my obgyn is partnered/contracted with is where I went on 03/01 because I had a pregnancy scare. I went straight to Labor & Delivery and was there for a couple of hours. The on-call obgyn is the one that saw me. I have NOT received a bill yet, only an EOB from my primary insurance, stating that the claim was denied. In the EOB- it was stating that the hospital is an out of network facility. However, I’ve spoken to my insurance directly few different times who said the hospital that I went to indeed is an IN-NETWORK facility. Now the last agent I’ve spoken to today told me “address where the service was rendered is confirmed to be outside the network for the facility. Here is what adoress of the facility showing on the claim” and it’s a complete different address than the hospital I went to, like in a whole different state. The first agent that I spoke a couple weeks ago stated the claim type says “outpatient hospital non contracting”. The last time I tried contacting the hospital themselves, the agent was saying I need a bill/statement account number, which I didn’t and still don’t have because I was never sent a bill as of today and he said to wait until I get a bill. It’s been over a month and I still haven’t received a bill from the hospital from when I went to 03/01. I was going to explain my situation and how I still haven’t received a bill but the billing office is now closed. I do have secondary insurance but they didn’t even receive a claim from hospital, which I am assuming they didn’t even bill my secondary. I’m just so confused and overwhelmed! Does this sound like the hospital submitted the claim incorrectly?

GEICO removed my telematics discount after a month. Not exactly sure why the score seemed fine , in the high 80s, and it had been used regularly. It is what it is, not sure I see the point in arguing with them. It drained battery any way. However, I’m concerned about how much more it will go up at renewal. Anyone have experience with this?

Very long story short, condo had a water leak 4 months ago. My homeowners insurance says that based on the HOA bylaws, the HOA is responsible for the damage. HOA is saying the opposite. So I’m at a stalemate. What do I do? I’m assuming an attorney is my next step but who pays those legal fees if I win? Condo is in South Carolina if that matters. To make it more complicated, my insurance sent in water mitigation contractors that completely ripped my kitchen out. They did this before asking me for a copy of the HOA policy and determining they’re not responsible for yet it was their contractor that came in. Now I have no kitchen and both parties saying they’re not responsible. Ugh.

Was driving on the freeway and a ~2 inch rock came out of their un-tarped trailer and hit my windshield at about 65 mph. They did not have a rear license plate visible. Front registration plate was orange and I believe it to be an Oregon apportioned truck plate. I was not able to get a clear picture of their plate. I spoke to our state police and they gave me a case number for insurance purposes. Went to file a claim with Progressive and it turns out my deductible ($500) is more than replacing the windshield ($388) so they just recommend I pay for it without insurance. Shouldn’t the other truck’s insurance be paying for this?? I don’t know what to do other than pay for the replacement out of pocket and hope to make contact with the other party’s insurance after the fact. He wouldn’t stop as I tried to get his attention but I was able to take some pictures… on the side of the rear trailer is a logo for “The Shaw Group” and some sort of identifying number (T1210xx… censored for this post).

Hi everyone, my deductible for trupanion is $750. I’m paying $65/monthly, which I think is insanely high. I have a miniature dachshund who’s 1.5 years old. His ear has been looking red and we have an upcoming check up at the vet next week. If an infection, they’ll likely prescribed ear drops or antibiotics, which I’m assuming will be a hell of a lot less than $750. I am looking for some guidance on this or others experiences, when the vet bill is way less than the deductible. I understand it’s per condition so in the future if he has ear issues, it would be covered (which is likely considering his cute floppy ears). I am unsure what to do, as I don’t want to be denied claims in the future if more ear troubles arise and I don’t submit one now. Hope this makes sense. Thank you!

My dog is 7, I've had her on Nationwide's comprehensive plan since she was 6 months old (they reimburse 90% for anything performed or prescribed by a vet after hitting $250 deductible), and of course I've heard the stories about older-ish pets on these old plans getting dropped without warning. I'm trying to prepare for us getting dropped, I'm just still very undecided as to our next best option. She has a history of bilateral ccl tears and we did tplo's on both legs. She will probably have arthritis because of this plus any potential hardware removal necessary (no problems so far, I just know it's a possibility). Besides that, she (knocking on all the wood) hasn't been diagnosed with any chronic conditions. I've been looking at AKC since they cover pre-existing after 365 days, and I want to get her signed up fairly quickly so we can start the clock on 365 days, plus I think I read that they don't take dogs on that plan 9yo and up. But even AKC's plan lacks a lot of the preventative coverage I have now, even with the add ons which do increase the premium quite a bit. I know i always have the option of putting my would-be premium into a hysa every month and just paying for everything myself. I'm just so scared of getting hit with bills that will outpace my savings. Has anyone else been in this situation and found a good alternative? I know I've been a little spoiled with nationwide, but I did sign her up early thinking I would have her covered for life. Thanks in advance!

i hope this is the right subreddit for this! i just found out that my dietitian for an ed is no longer fully covered by insurance and my weekly appointments are now going to cost 90 dollars. i’m wondering if there’s a way to get insurance to continue to cover? like could i have my primary care physician or psychiatrist refer me to a dietitian? tbf i am not as aware of how insurance works as i should be so i have no idea if its even a possibility. edit for clarity: my insurance has not changed. i live in michigan and use blue cross blue shield. i was unaware that they will only fully cover a certain number of appointments and i have reached that number.

Not sure if this is allowed, but here goes: My employer retirement $ is with Empower, and 100% of it in a **T Rowe Price 2025** fund. I'll only be working for them for 5 years tops, and this $ will not be a big factor in retirement. This TRP 2025 has done great, barely lost anything at all. *Most* of our $ is with Ed Jones, and one of the funds they have me in is **TRP Large Cap Growth** fund. This fund is not doing as well as the 2025. It may be important to know that I am not contributing anything new to Ed Jones, this $ is growing / declining as funds do. They have me in a ratio of growth / stability appropriate for my age (62, want to retire at 65). I asked the Ed Jones, guy, "The TRP 2025 is doing great, the Large Cap Growth is not doing as well, is there a compelling reason to NOT to move from the Large Cap and into the 2025?" Ed Jones guy answers with "The market goes up and down, don't watch the news so much, we're re-investing dividends and buying low. Dips happen and then we recover..." or words to that effect. ***It's like he didn't answer my question, I know the market goes up / down, I'm not saying "sell everything" in a panic. SO, is he just dodging my question for some reason? Are there valid reasons to NOT switch from one TRP fund to another?***

i went to urgent care to get HIV PEP pills. Which must be taken within 72 hours of a potential exposure. i payed my $10 copay and They prescribed me the medicine where I was able to get my medication at the pharmacy that was covered by Aetna. But when I checked they fully denied my visit when I called she said the visit was not urgent. i told her I want to do an appeal. But im Absolutely disgusted by Aetna im already traumatized. i feel this needs to reported but I don't know which agency I would need to reach out too.

Greetings everyone. I do but know where to go for help in this. I tried the court but that was useless. There is only one lawyer near us that takes our MetLife legal card. So my dad died augusts 2022. The estate is worth close to a million and there was no will. I tried to qualify as the administrator, but since I had to be bonded, my credit held me back, so my brother was able to qualify. Since then, he has done nothing. Two plots of land were sold for 300,000. It was sold for less than it was worth, but it was too family, and that was important to my dad. No personal items have been sold. There homes are in the country and the homes are full of mice that I’m sure have eaten everything! The cars have been sitting, uncovered the four wheelers the Farm equipment, all of it sitting and rusting. There is a double wide that’s about 15 years old and sits on a gorgeous lot and a three bedroom brick ranch that is still waiting to be sold and all of the personal effects but I cannot get my brother to do anything. He will not return a phone call or a text message. When we try to contact the court, they were of no help we don’t know what to do who returned to or what our rights are and trying to read online. It’s like it’s written in another language. I know this is a long Post, and if anybody has time to give us an idea of how to move forward from here what we can do it would be so appreciated. We are in Virginia if that makes a difference at all thank you in advance so so much.