This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

I am new to Liberty Mutual. Homeowner Insurance in USA It keeps showing Virtual Assistant, which never route me to a live agent, no matter what I said. Or how to send a message to customer service?

Has anyone filed a life insurance claim through Aflac? How long did it take them to process and pay out? My father recently passed away. We filed our claim, they said part of a page was missing, so I refaxed the claim form again. They are slightly difficult to receive info from, and curious if anyone has a timeline of their policy payout.

Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!

TL;DR: Be nice and…get yo money?? I made a post a few days ago about how I was seeking compensation for the stress caused my the mishandling and lying committed by the at fault drivers insurance. This was my first car accident, so I’ve never dealt with the claims side of insurance. I explained how it’s my understanding they were in violation of the Unfair Claims Settlement Practices Act and how when I finally got ahold of the other insurances adjuster, he made multiple false statements (which his supervisor confirmed were untrue statements). For many reasons told and untold, this was stressful. I made a post explaining how I was seeking compensation for the stress caused by the mishandling of this claim and asked what the chances were that I’d get compensation. I came here seeking genuine answers and instead I received belittling comments, essentially saying “you will receive nothing you dumb fuck.” Well…I just received an email today from the insurance agreeing to pay exactly the amount I asked for. While I get things take time, not hearing a single word from the other insurance for almost two months when their own policy says they reply within one business day, and making multiple unnecessary false statements is not right. Making belittling comments to someone is also not right. My point is, be nicer. Don’t join a subreddit where people are seeking genuine answers if you can’t give them, or simply don’t comment. AND, if an insurance company got you feeling stressed, take a chance. It might literally pay off.

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

So the story goes: My friend in Texas totaled his car by hitting a mailbox. He has Gap insurance from the dealership, and auto insurance from progressive. Auto insurance agent told him they're going to pay the dealership instead of him. Can friend demand direct payment to himself, as the policyholder? Can his insurance just send the check somewhere else like that? The gap insurance should handle everything on the dealership side, so I don't know why his insurance company would be giving the dealership anything.

Hello, Considering a agree value policy for a 2004 Lexus LS via Hagerty. While I was able to get a quote and even approval online with Hagerty, before paying I wanted to talk to them. The wait times were pretty long. Is it a bad idea to deal with them when there is no local agent? Now, those who have agreed value collector car policy with Hagerty, did you do it all online? Or did you go with a local agent if there are local agents for Hagerty? thanks.

Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina