So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

I have messaged optumrx several times to stop automatically filling medications for me. I would like to do it manually because many times my doctors send orders for as needed medications that I use maybe once or twice a month and have years worth of usage from constantly having it sent. Despite attempts, they never fix the problem. What can I do? Age 28, state FL, gross income 80k

I just thought about checking on my fetch insurance, went on to the medical record page, and found out that ALL my pet’s medical records were deleted!!! It says no medical records at all, but I’ve been updating my pet’s medical record since I adopted him in 2023. There are 4 records that I updated, including annual wellness check and initial baseline. I have the confirmation of medical records emails from fetch last year. I called them and reuploaded all the files. The customer service was nice but she said that she has no idea why this happened, and no further clarification on how to prevent this in the future. This feels so shady. Everyone with Fetch, please have the habit to check on your records regularly, because I’ve had experiences of them refusing my claim because I didn’t post annuals check up record every year. I can’t even imagine what could’ve happened if I didn’t think about checking the insurance today… still in shock

Couple of questions if I may... I recently used Goosehead to get home and car insurance. They said that AMWINS would be best for homeowners insurance. Has anyone heard of AMWINS? Are they any good? Anyone had any claims with them? Also, I just received a notice of a rescind of cancel notification from both of them. I never received notice of cancellation and that is concerning to me. They stated that the original reason was "underwriting". It does state that there was no laps in coverage. I will call them later today but I was wondering if anyone could shed some light on this as to what happened. I live in DFW and the house is paid off if that means anything.

Had a house fire, insurance adjuster said i get 5000$ a month for up to 12months for a rental equivalent to my house (3/2 2000sqft) Well 3 months went by and I decided to move into my own rental house , it’s a 1/1 while the repairs on the house are being worked on. Now he’s saying he will only give me the going rate of a 1/1 … which is somewhere around 1500-2k, which is a big difference from 5k. My question is if that 5k per month mine? Something I can fight for? Or do I only get the exact displacement fund I spend , up to 5k

Hi, I'm trying to reduce the chances that the insurance company not counting the copay card payments toward my deductible or out-of-pocket maximum. Does using their specialty pharmacy make that more likely? In other words, are they more likely to side with the insurance company? I'm with Anthem through the exchange, and their specialty pharmacy is Carelon. I read that accumulator programs have been banned in Nevada starting in 2025, but even the representative I spoke with at Carelon said that's not the case. thanks Matt

Progressive, Northern California, 5 driver/5 car policy. I’m mostly remote now at work and sold my car for a local commuter. With the new car, my annual mileage estimate went down by 5k miles per year. The car is dirt cheap, so I opted for liability only coverage. I thought I was going to save $1000 per year, but my rates stayed almost the exact same. What’s going on here? Would talking to an agent on the phone change anything?

Has anyone successfully moved their IRA from Inspira to Vanguard with an "in kind" transfer? It's impossible to reach anyone via phone at Inspira for help!

It's a 2022 Genesis g70 RWD fully loaded prestige package and they offered me 31500. Kelly Blue book gives 31500-36000. Is it worth hiring an appraiser to raise the price? The adjuster doesn't seem to want to budge.