I have United Health Care’s high deductible plan, which I chose vs the lower deductible when I started my job 3 months ago for the HSA and because I have no medical conditions and rarely see a doctor. I’ve developed neurological issues the last month that have required a doctor visit, MRI, and now a follow up and likely more testing with a specialist. The doctor visit was $177 after a discount and MRI was $621 after discount. Does insurance even with that plan really not pay anything more? My old plan through my old job was high deductible with HSA, but bills were still only $70. At the rate I’m going, my old and new HSAs will be drained well before I hit my deductible, so I won’t have money to pay the bills. I guess the short answer is the doctor offices won’t get paid until I have the money, but is there anything more I can do? I can’t imagine how expensive seeing a neurologist will be plus whatever tests they want even if in Network.

Hi all. I recently leased a new car because the used car market was so atrocious in my area it was cheaper to go this route (context: they want full coverage so it's more expensive than the baseline cheapest policy I can otherwise get in NYS, the insurance checks on the used cars I found were comparable). My monthly rate is 500$/month w/ Progressive. Which is way more than the damn car. I'm a new driver, female, 24 (FML). I understand being young and new is whatever but 500$?? This was the cheapest my agent could find but I really want to shop elsewhere and look around before the next insurance renewal rolls up.

Has anyone done the PTIT program recently? I got a citation for suspended registration in January and my court date is next week. Today I got a post card in the mail saying my case might be eligible for PTIT. This is my first ticket/citation ever in life so I’m just not sure what to do. My registration was suspended at the fault of my insurance company. In October 2024 I switched from Progressive to Geico and Geico never reported my new insurance to the state so I was unaware I had been driving with suspended registration since about October 2024. I have since called my insurance company to have them report it and make everything right. My registration has been restored and fees waived. The officer told me on site that if I just call and have them do this I wouldn’t have to appear. I called the court today and they told me I still had to come despite what the officer told me on the stop. Should I consider PTIT? I think this may be a program only in Atlanta, but I’m not sure. Should I see a judge and provide my documents and hope they throw it out? I just don’t want any points on my license or charges against me so I’m not sure what to do. With PTIT do I pay same day I go to court? How does all this work

Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years. Edit: sorry 2019 Jeep Cherokee

I just financed a truck about 3 weeks ago and the dealer approved me with a loan through Westlake financial, I didn’t know much about them but after searching them, people have negative reviews about them. Well now I’m thinking that if I refinance my car loan, would it still count as 1 hard inquiry since I’m still under the “checking best rates” Time frame. Or should I just wait a couple months and then refinance later

**Location:** Birmingham, UK **Type of Insurance:** Home Insurance (Subsidence Claim) I'm sharing my experience dealing with what I believe is systemic fraud by Royal & Sun Alliance Insurance (RSA) and their loss adjusters, Crawford & Company. After 4.5 years of battling for a fair resolution to my subsidence claim, I've submitted a formal escalated criminal complaint to the Chief Ombudsman following their recent decision (PNX-5126400-B7P5, January 24, 2025). # Background In September 2020, I filed a subsidence claim with RSA. The Ombudsman has already acknowledged RSA's "shockingly poor service" and "significant avoidable delays" in their decision. However, my complaint goes much deeper than poor service. # The Evidence I've Gathered Over these years, I've collected substantial evidence of what appears to be deliberate misconduct: 1. **Fabricated Complaints**: RSA created three fake complaints (January 30, September 26, and December 7, 2024) to manipulate regulatory timelines and circumvent proper oversight. 2. **Falsified Technical Documents**: Key claim documents including the Schedule of Works (SOW), Certificate of Structural Adequacy (CoSA), and Forms of Acceptance (FOAs) appear to have been fabricated. Metadata analysis reveals these were created in 2024 but backdated to 2021. 3. **Data Protection Violations**: My Data Subject Access Request (DSAR) came back with approximately 73 critical documents fully redacted and many (around 50+) others improperly withheld. 4. **Claim Reference Manipulation**: RSA repeatedly changed my claim references (from SU2004338 to 1781135 to 202405326), seemingly to obscure the complaint history and make tracking impossible. 5. **Conflicts of Interest**: The person investigating my complaints at RSA was directly implicated in the issues I was complaining about. # Most Concerning Evidence What troubles me most is that when I examined the Certificate of Structural Adequacy, it falsely claimed that Leo Horsfield (the structural surveyor) recommended removing an ash tree that had already been felled two years before they were even involved in my case. This demonstrates deliberate falsification, not just an administrative error. Similarly, the Schedule of Works was created on April 30, 2024 (proven by metadata), yet RSA claimed it existed since July 2021. When challenged, they couldn't produce the original document. # Where Things Stand Now The Ombudsman's decision acknowledged the poor service but couldn't address the potential fraud due to their limited remit and outside timeframes of this particular complaint. I've now escalated to the Chief Ombudsman, with copies to the Financial Conduct Authority, Information Commissioner's Office, and Serious Fraud Office. My 122-page complaint (filed 02.03.2025) meticulously documents every falsified document, fabricated complaint, and regulatory breach with supporting evidence. I believe RSA's actions go beyond poor service into potentially criminal territory. # What I Hope For I'm sharing this to warn others and hopefully connect with people who may have experienced similar issues. I also hope that by bringing awareness to this case, the regulatory bodies will give it the serious attention it deserves. Has anyone else experienced anything like this with RSA or other insurers? Any advice on navigating this process would be greatly appreciated.

I purchased private health insurance through an agent with Freedom Life Insurance. I'm starting my own business so have to handle my own insurance. I got a Freedom plan that is supposed to give me 4 free doctors visits before deductibles/copays kick in, and somehow I'm paying more than my insurance every time. They only pay $100 per visit. I am livid that I'm spending almost $400/month for a policy that doesn't seem to pay anything!! What is the deal with this?? They only pay $100, the rest is on me. This is directly different than what I was told it would be, and there's no way for me to know what I'm going to be paying unless I get a full bill breakdown from each doctor beforehand which I have never in my life had to do. The plan is a United plan, yet my agent said these major doctors don't have a good contracted rate with United. HOW? United is universally accepted. Should I have my agent find me a different plan? Go back to Marketplace where they switch your plan every year? Where the heck does a person go to get health insurance that isn't rocket science, actually covers what it says it will cover, and doesn't change all the time? Does the plan I'm on even sound normal?

I adopted a dog last March. I signed up with Spot for regular and preventative. Last year in May I got his teeth cleaned and they covered $150 of the cleaning, great. The new calendar year is here and I assumed like my health insurance the clock would start again at the beginning of the year. Nope. They go by the calendar year from when you started your plan so they denied my claim. Not a huge deal but if you are covered by Spot know that their preventative coverage is based on a year starting when you signed up for your policy.

I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

I have pathology reports from Hospital A that I received under a charity care arrangement. They are for dermatology. The reports revealed skin cancer and I needed surgery, but the hospital fused to allow me to use their charity care for the surgery I might be taking a low wage job to try and get private employer group PPO health benefits. But the plan would be with UHC. If I already have the biopsy reports showing biopsy #1, biopsy #2, biopsy #3, biopsy #4 are basal cells and they require Mohs surgery, do I still have to wait months to set up an appointment with a dermatologist and then WAIT for a referral to see a Mohs specialist? Forget about the prior dermatologist who did the biopsies. He works for a large healthcare system that won't allow him to refer me outside of their network. If I literally have the pathology biopsies, can't a potential UHC in-network Mohs surgeon's office use that? Or does UHC ppo private group plan insurance and the participating Mohs doctor under UHC insurance require another dermatology referral, which would mean I'd have to wait many months just for that and delay the surgery I desperately need.