I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?

My dog (cocker) is just over 2 years old, I was with Waggle before but they just keep increasing the price each year and I have never needed them for anything. No claim, no nothing & the only vet she ever needed I paid out of pocket. So decided to cancel and look at other options. I doubt I'll get lucky but is any insurance like an NHS service where I can just pay a monthly fee then everything is covered? Like how us as a human went into a hospital and It's free as we pay for it monthly I spoke to my vet who said insurance works like reimbursement where I would have to outright pay example £10,000 then claim it back from my insurance but I don't have £10,000 just sitting in my bank so how would it work otherwise? (first time doggo owner so sorry if these seem stupid asking)

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

I was in a minor fender bender in a parking lot. Other driver was turning into main drive. I was passing a car that was stopped so I was hard to see. I had minor scrape to left front bumper and other driver had minor scrape to left front. Probably about $1,000 damage to each car. Exchanged info, he's an attorney who does work for state farm. I had camera in car, but actual collision was on side so actual impact not shown. Sent my info and video to State Farm. Got an answer in one day. Was told it was inconclusive, and no one was at fault. So, we both pay our deductibles. It seemed like State Farm looked at the option that would cost the company the least, especially with the speed the determination took place.

I usually get my glucose sensors direct billed, but every once in a while I will have to pay out of pocket if one stops working. What irritates me is I’ll submit the claim — and it won’t cover what it will when direct billed. I’m talking $100 less when self submitted. I call them, they say it should be covered as normal and they’ll look into it — but I see nothing on my end saying the claim is being reevaluated, and no secondary deposit. Months later, nothing. I get the sensors direct billed… normal coverage. Submitted another receipt, and it comes back $100 short. Before you say to just go and get the prescription at the pharmacy where they process my insurance, it’s an hour bus each way. The pharmacy I get the sensor at out of pocket is within walking distance. As for why I don’t transfer to that pharmacy… 10% less coverage, which for my medication is an extra $200 per month AT LEAST. Any advice to actually have Canada Life follow up on their processing error?

I'm a 24 year old male in NE with UnitedHealthcare. I make approximately $82k gross. I've had UHC for a few years now and have always done my yearly preventive checkup, which was always 100% covered until now. I've contacted both my provider and UHC trying to figure out why I'm suddenly being billed. When I check my claims, the labs given were mostly covered by my plan, with small amounts for each service charged to me. * Labs: * 80061 LIPID PANE, * 84439 ASSAY OF FREE THYROXINE, * 80050 GENERAL HEALTH PANEL, * 81001 URINALYSIS AUTO W/SCOPE, * 36415 COLL VENOUS BLD VENIPUNCTURE * If I have to pay my deductible before labs being covered, why are they covering ~77% of my cost anyways? If they're 100% covered, why do I have any deductible? * My insurance says it was coded incorrectly, but my provider says it was correct. * I asked my insurance to compare my previous years' coding to my current claim, and they said it was the exact same thing. CPT and Z codes. * I was given a follow-up call and sent [this pdf](https://www.uhcprovider.com/content/dam/provider/docs/public/policies/comm-medical-drug/preventive-care-services.pdf) which details which codes are considered preventive, and I think I see my labs aren't? But I don't really understand what it all means, and either way it's the same coding as previous years, so why were they covered before but not now? Why cover them partially? * If the guidelines have changed, am I responsible for tracking that and telling my doctor what to do at my yearly checkups? * Is there a super simple explanation for why I'm being charged? Does the insurance have a max payout which the provider over-charged, leaving me to pay the rest? How can I tell? Thanks, this is all very confusing and frustrating to deal with. I don't know much about insurance or anything, but I feel like this is wrong somehow.

Posting to hopefully shed hope on people in similar situations! One year ago today, we were involved in a MVA. From the start, Allstate began the claims process incorrectly, failing to send a field adjuster out to inspect the vehicle for hidden damage before beginning repairs. Several months later during repairs, the body shop found hidden frame damage. This led to the vehicle being deemed a total loss. We have fought with Allstate for well over 8 months, trying to get responses from our adjusters, managers, and the ombudsman with virtually no responses. 3 months ago, they provided a settlement offer. The amount was low. They specifically advised us that we could send comparables that were listed through Autotrader and other local sources ONLY. The car was a specialty sports car, with comps not widely available. I sent comps from alternate sources, not accepted by the insurance company. After a long silence and a lot of frustration, they agreed to the sources I gave and eventually settled with an amount 40% higher than the original offer. I know that there is normally about 10% wiggle room on settlements however, with a lot of time and patience, we were able to get them up above what we even believed the vehicle was worth, in addition to a reimbursement of all premiums paid on that vehicle post-claim while they wasted time by not replying. I hope this is motivation to those dealing with similar issues to not give up, even when things are bleak. It took a year between screw ups, lack of communication and delays but we got there. And please, do yourself a favour and avoid Allstate!

I am located in the US and like the title states my PHI was shared from my companies absence manager (Sedgwick) to my employer. Essentially someone at Sedgwick forwarded all my documents needed for the leave to my employer and they retaliated against me by accusing me of being too sick to return to work even though my doctor cleared me. This went on for about 10 months before I was allowed to return. I spoke with a representative from Sedgwick on a recorded line and they stated it would be against the law and HIPAA to disclose my records with my employer beyond the fact I was approved for the leave. I am in a high earning job ($150,000) and lost out on nearly $120,000 worth of wages during this time. Would I be eligible to sue Sedgwick for the lost wages considering I was cleared to return to work and my documents were leaked to my employer resulting in retaliation and harassment?

I was laid off effective 3/31. (Thanks, Trump and Musk.) I filled out the application with PENNIE on 3/31. Got approved and told I have 60 days to select a plan. I called PA/PENNIE then. I didn't have my COBRA info yet so couldn't make an informed decision. I just logged back on to PENNIE and while it still says "you have 52 days to choose a plan," the effective date is coming up as May 1st, not retro to April 1st (like how COBRA works). I've called and the rep is not well-informed. The last time I called, another rep said "yes you can choose later and it goes retroactive."

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?