Hey all, I'm looking for advice on an issue that's been bugging me. I went to the orthodontist office regarding wisdom teeth extraction (in network). They already charged me a $200 consultation fee (This, I know isn't covered by my insurance). They told me my insurance isn't covered and that I can pay upfront and they can send a claim to my insurance and if it's covered they'll reimburse me. So I paid upfront, did my surgery and healed. 12 days later, I called my insurance for a follow up and I found out that there was no claim filed. And in fact my insurance DOES cover the extraction and bone graft. Im only supposed to pay 20% while insurance covers 80%. So we called the orthodontist office and told them they need to file a claim because they're in network. The front clerk basically said she'd relay the message to the billing team. Few days later, no claim was made yet. Best believe I called every single day until the matter was fixed. So finally I see a claim that they've made after 2 weeks of constant back and forth. Take in mind, I paid $5,356 out of pocket. My charges were $5,000 for TWO bone graft. $268 for the extractions and $88 for the anesthesia l'm assuming because it says "Ir". They filed a claim for $5,000, I immediately called my insurance to find out what they filed for. Apparently they filed for a completely different treatment than what l've done. And guess what? Whatever they filed for isn't even covered by my insurance. I definitely feel like this office is trying to rob me and get away their fraudulent behaviors. I spoke with the oral surgery department from my insurance and he called them today, confirmed my treatment with them and told them they need to submit a new claim for the correct treatment. Insurance told me to give it a week, if nothing is done, call them back and file a formal complaint. Will this do anything? I'm anxious and I just want my money back. I learned my lesson 100% and will NEVER pay upfront for something that should be covered by my insurance.

After a family member had a total loss from their condo building fire, TRAVELERS Insurance paid the claim but cancelled their policy. Now, they're having issues finding Insurance companies that will insure them. Any ideas? Has anyone experienced this problem?

First time posting on Reddit, and not sure if this is the right place to ask this question, if not I apologize, please direct me to the right place if that's the case. So I'm in LA and I have Progressive Car Insurance. Here's the situation: I got rear-ended back in February, the other driver was fully responsible for it, I went through the whole insurance claim process and got my car repaired, and because my insurance has $1500 car rental allowance during repair, they got me a rental car for about a month while my car was under repair. the car rental company was Midway Car Rental (The one my collision body shop is using.) Everything went smoothly back then and I even got my deductible on time from Progressive, I returned the rental car when my car was ready, they checked the rental car, no extra fee needed, no issue at all. Then out of no where, last week the car rental company charged me THE FULL RENTAL PRICE to my credit card I put on file (I used that for the deposit.) I called them, they said they have been asking my insurance to pay the rental fee for months and they never paid, that's why they charged my credit card. I called my claim rep, he said they paid the car rental on 7/15, which was 10+ days ago, the rep is also baffled by the unexpected charge. I checked my Progressive app and can see the $1500 rental reimbursement under my payout summary, and it did say 7/15/2025. I am not sure what's going on and what to do in this situation. Both side claimed that they're not the problem (well expected) the car rental is asking me to ask my rep for proof of payment and send to them or else "they can't do anything about it", I passed the message and all the info to my claim rep, he said he's on it but then nothing happened and he's now not available through phone somehow. Im very confused and somehow been put in the middle as a mediator?? I really need the car rental to cancel this charge on my credit card. It's an foreign credit card and I need to pay it off soon, and this expected charge is seriously messing up my payment plan this month. But it seems like both party needs to investigate or negotiate this for some time, and they're not very cooperative and helpful. Any suggestions, advice?

Got rear-ended at a standstill last week by a new driver. Filed a claim with his insurance (Allstate). Their adjuster gave me a list of preferred shops — only one (a chain) has good reviews, but Reddit has a lot of horror stories about this chain (not my exact location though). I have a local, independent shop I trust. Allstate says I can use any shop, but the adjuster got vague when I asked about downsides of going out-of-network. Redditors in r/AutoBody warn against in-network shops since they supposedly work more for the insurer than the customer. I'm just worried about delays, surprise costs, or Allstate refusing to pay. I don't want this to turn into a massive ordeal or be without my vehicle for too long. That said, I had some other body work I wanted my local shop to do (which I’d be paying out of pocket for), so it would be convenient to “kill two birds with one stone” to take it to them and let them handle all the repairs at once — versus having the chain handle my insurance repair and then turning around and having to go back to the local shop for the other work. What would you do — play it safe with the insurance recommended chain shop, or stick with the local / independent shop I trust?

Location: Ontario,Canada Background: February 2023, I had been working for three months at a manufacturing shop when a new welder was hired. He came in with no mig tickets, but had 10 years of experiance welding stick. My first mistake was trusting this guy because of his "experiance". My second mistake was agreeing to help him when I was still new to welding. I had my mig tickets at the time, so my foreman asked me to tack up a train part while the new guy held it up. I had everything ready, than I had a gut feeling something bad was about to happen, so I turned around to grab some clamps. He let go of the steel plate... HE LET GO OF THE VERY HEAVY STEEL PLATE! Next thing I know the old guys I work with are rushing over, getting this part out of my boot and off my foot. Yes I was wearing steel toe boots, but the plate feel off the table at an angle and slid under my steel toe plate. The guys ended up sitting me down as I passed out. When I came too, my formen drove me to the hospital where I had to get the bottom of my toe stitched up because the pressure blew the bottom out. Doctor: Imagine your toe is an ice cube. Now smash that ice cube with a hammer, and that's your toe. I whent to work the next day because I'm stupid and figured it would show my dedication to earning an apprenticeship and show them I was willing to work through anything, even pain. The bones in the toe kept spreading, so I ended up getting constant infections causing me to need the first section of my toe removed about 6 months after the initial Injury. After my first surgery I noticed what was left of my toe was turning black and the bone was visible. They tried taking the dead skin off and giving me two stitches unmedicated, but the toe kept dying. I ended up getting the rest of the toe amputated. I've had a C-Section, and I'd much rather have another one, then going through a toe amputation again. That's how much pain I was in. I was off for 10 months. I got paid medical leave through WSIB, but I lost 10 months of hours, 10 months of traning, my tickets expired, they refuse to give me an apprenticeship now, I have to bag for jobs. My question: Do I have the right to compensation? I'm 27, never getting my toe back and my feet are in constant pain. Favoring one foot is causing the other issues. It's a back and forth battle. Because I'm young and have to still work on my feet for the next 40+ years, the doctors don't know how my feet will hold up. I'm not looking forward to the future and my mental health crashed because of all this.

Hi all, I'm leaving my current job and I have another position that pays higher than where I'm at right now, but no employee health plan. I'm in CA. Right now I'm looking at marketplace plans for my spouse (33M) and I (31F). We don't use much when it comes to health care. A few random visits here and there, I take a few daily mental health meds but that's it. However, we do want to start a family in the next year so I'm trying to keep that in mind. I've always been on an employer PPO, so that's what I'm used to. My top options currently are Blue Shield of CA PPO, or Kaiser Gold HMO. From what I've seen blue shield is one of the few companies that will offer PPO on the marketplace. I've looked at some of the cheaper plans through multiple companies but since most of them have coinsurance, I worry I could rack up quite a bit if I were to get pregnant/deliver. We earn too much to qualify for financial help/ACA plans as well. Here's my question - how much does Kaiser's HMO plans differ from their PPO? Is it really a big difference since it's all in one system? I know there are issues with Kaiser and it seems people either love it or hate it. But it seems like their HMO plan is cheaper with better coverage (particularly for maternity) than a similar PPO through blue shield. Anything I'm missing here? Any advise or prior experiences would be helpful.

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!

Hello, I bought a vehicle in New York.. had it shipped to California.. Vehicle arrived damaged during transport.. Transport Company stayed at a rest stop, another vehicle/truck backed up and hit Transport Trailer where my vehicle is secured.. Truck at fault denied my insurance claim.. Per the Insurance they don’t have coverage.. I filed a claim against the Transport Company who was transporting my vehicle, Progressive their insurance denied the claim with reason of Transport Company not cooperating with there investigation and unable to verify information that is necessary to confirm valid coverage for the incident.. What’s my next step? any advice? I’d like to avoid filing a claim against my insurance.. also, should I lawyer up? any suggestions? location is California.. Thanks

Hello! I was using robinhood app for crypto and everything was nice and smooth and I did not have any problems with transferring money from my account. I was living happily with the information that I can withdraw only money to the same account I was transferring it from. And there is the problem, I wanted to withdraw money to my account and after 2 months it's still not on my account. I'm dealing with their support for those 2 months, I wanted to see full confirmation of the transaction, with the full IBAN number and they can't provide it "for security reasons". Also I have a suspicion the bank account linked to my account was wrong, but I didn't double check it before trying to withdraw the cash.  I have every single proof for every transaction coming from my account, it's exactly the same as seen on the app, I have proof there is yet nothing on my bank account. And I'm just out of ideas on how to make them solve things.  Is there anything I can do to make them handle this fastly or at least to make them send me the confirmation? Thank you, every single help will be appreciated!