I have a health plan with Aetna, and for specialist office visits, the copay is $65. For outpatient diagnostic testing, there is no charge, no copay, and no deductible applied. I went to my specialist's office for a blood test with a nurse, without seeing the doctor. A few weeks later, I received a bill from the doctor's office showing that I owe $65. I called my doctor's office, and the finance department said they billed using CPT code 36415, which is correct. Then I called Aetna, and a representative said, "Because the lab is an in-house lab at my specialist's office, if I go to a doctor's office for outpatient diagnostic testing, the $65 copay applies since I received a service from the provider." Is this correct? I had blood work done at other specialists' offices last year without seeing the doctor, and I wasn't charged the $65 copay. Did Aetna change their terms this year? Has anyone had a similar experience? Is it normal for Aetna to categorize diagnostic testing done in a specialist's office as a doctor's visit?

Six months ago when Progressive abruptly raised my 6-month premium rate by 20% the only explanation given was that "auto parts prices are rising quickly". Today Progressive raised my 6-month premium rate again by another 20% with the only explanation "high inflation in California". $1800 every six months is insanity. My car is nearly 10 years old and I only drive it to grocery store and maybe a restaurant now and then. I'm 60+ with clean DMV. What is Progressive trying to do there ? Is this legal or outright fraud ? If it's legal are they attempting adverse selection to eliminate California policies ? ( I've read about this for home insurance but not auto. ) What should I do ?

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??

Every six months I get a big envelope from Statefarm with all my car insurance details and prices. It also comes with a bunch of small booklets, think they are called "endorsements". Anyways the one I got said I would owe around $350 . It also says "This is not a bill". Now today I got my bill electronically. But it says I owe $450+. Unfortunately, I recycled the original paper bill that said I should owe $350. Was that $350 likely for some shorter duration? I did remove something from my insurance a few weeks ago so maybe they sent me some pro-rated amounts?

Hi all! So I'm in the appraisal process for my homeowners- mine is a hurricane claim (wind only not flood damage). Do they halt processing stuff like ordinance in law while they are in the appraisal process? What about personal inventory items (yes, 5 months since milton and they have done nothing with that)? I want them to see the house stripped down so we still have another month until appraisal. What should I do? I have waited a very long time to replace things. I need stuff like a frige and other essentials. Atleast for the personal items i feel like i should get atleast an "estimate/supplement" thing generated before they start using it as a tool to negotiate paying me less.They said it will be resolved at the end but they have not been forthcoming to resolve anything nor do we see an end in sight. We are kinda going out on a limb and assuming that we are going to sue even after appraisal. It's Florida and this is with citizens if that info is relevant.

I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

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

Who else thinks that we should ban people who provide false or misleading information in this sub? Or at least have a rule against misinformation so that we can report comments with misinformation and get people can get banned from this sub? As a broker with more than 10 years of experience and running my own agency, I have zero tolerance for misrepresentation and misinformation. This is a bit of a rant with another post's comment from an agent from Primerica r telling a consumer that they should cancel a whole life that has been in-force since 1949 because they claim that the death benefit is going to be taxable, which is lies. We should be able to ban people from this because even the OP responded like, oh, I should consider that. As someone who genuinely cares about clients and protecting their best interests, this is something that boils my blood when I read. EDIT: I'm not talking differences of opinion (e.g. Term in better than permanent). I'm talking about LIES. Verifyable proven lies. Such as "the death benefit of whole life is taxable"

Cardiologist ordered a CT for my heart. Pre-authorization approved by insurance but for cost estimate at BCBS website I will still roughly pay about 2K while they will cover about $1600. I have BCBS PPO with $3200 deductible. Would the hospital billing department be able to give me my actual cost before I go through with the procedure. I just don’t want any more surprises after getting hit with a $3K hospital bill for my son’s ambulance and ER TRIP.

Don’t trust this company! We had our mortgage insurance one year from 2170 to the following year 4340! Double! Well our dwelling went from 356,000 to 375,000.