I’m sorry if this doesn’t make sense or for any errors, I am in shock. I have a state specific BCBS under my parents (meaning I’m the dependent). Last year after I moved out of state, they told me that they cover providers out of state. I’ve never had an issue with this. Now, I’m getting claims that I owe $700, $2,000, etc for every visit I’ve had this year (I have a chronic condition so, lots of visits). Turns out, our plan doesn’t cover out of state anymore. Were any of us informed of this? Haha no of course not silly! When did it start? Last year, ya know, when they were still telling me I was covered. I found these providers on the insurance website which is the big kicker & I had no idea bc I assumed “found on insurance website + office taking insurance + no bills yet = I’m covered”, but apparently I’m just that stupid. I even called to ask about providers. Now I owe $6,000+ that I don’t have. I’m in my 20s & in constant pain. I can’t afford not going to work despite hurting & not being able to breathe & now it seems like I can’t even afford living. They said the only thing I can do is submit a bunch of appeals saying I didn’t know about the policy change. I can’t go see doctors anymore. My job doesn’t provide insurance. If I want a plan that covers my health problems, it would be a minimum of $400/month which is insane. I don’t know what to do. Anyone else experience this?

I filed a claim with my insurance company (Liberty Mutual) for wind damage to my roof back in early January. Now it's late March, and I still haven’t received a decision. The adjuster is not responding to my calls or emails. Meanwhile, my roof is in bad shape. I’ve had multiple roofers take a look—some warned that roofing material prices will increase 6–10% after April 1st (I confirmed this independently). I'm torn: should I go ahead and replace the roof now, or wait for the insurance company to respond? **Background:** * I live on the southeast of MA, where we had multiple wind advisories and high-wind warnings through Jan/Feb. * My roof is over 20 years old. After one windy day, I found shingles (including ridge shingles) in my yard. The attic started leaking during rain/snow, so I had to build a makeshift water catchment system. * I contacted two roofers. One said it looked like clear wind damage and advised filing a claim. * I filed the claim, and per the insurer's request, I had temporary tarps installed by the same roofer who suggested filing a claim. * The adjuster and their inspector came, acknowledged the damage, but said it wasn’t wind-related—claiming it looked like "mechanical" damage. They seemed skeptical of the roofer I hired(4.8+ rating with years of view history on google). * Waited another 2 weeks, they brought in a third-party engineer, who inspected the roof and told me he believed it *was* wind damage and saw no signs of mechanical damage. He submitted his report to the insurer. * Since then, another week passed. I contacted the engineer, who confirmed the report was sent, but said I’d need the insurance company’s approval to view it( so no access to the report). It’s now been over 10 weeks. I can’t wait much longer with such a vulnerable roof, especially with prices going up. I understand it’s an old roof, and some might argue insurance shouldn’t cover it. But it was functioning fine until the storm, and I *do* have replacement coverage. (Also worth noting—my premium is over $2,800/year.)

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?

Currently have State Farm (been with them for 12+ years), and just learned that the defensive driving and good grades no longer available for teen drivers. Just the defensive driving and steer clear. Is that the new norm for insurance companies? Trying to obtain as many discounts for my teen driver that he could be available for. Didn't know if it was time to shop around!?!? ETA: Next best option to shop around to? State Farm was pretty reasonable when I added him, and has been good to work with. Bummed about the news.

I have been a State Farm customer for almost 40 years. I recently was in my first serious automobile accident where the repair costs are around $25,000. State Farm has been hellish to work with and dragged even just the start of repairs out two months. It’s not over yet, but it’s pretty clear I’m gonna end up having to pay a pretty good chunk of that out-of-pocket. The body shop tells me that most namebrand insurance companies are difficult to work with. He suggested one of the high-end brands like Chubb or Pure. The more I think about it it seems like I could go with a low rate company and for that once every 25 year incident just pay for the repairs myself. As long as I have injuries and liability covered, it feels like I would come out even. My question is this. Should I go with a different company that is more white glove service like Chubb? Or should I find some cut rate company where I at least know up front I’m going to have to pay out-of-pocket for an repairs like this but save money and headache in the long run? Or should I just stay in the middle with SF? FYI, I do have good umbrella coverage too.

I had surgery on May 8th. At that point, I had not yet met my deductible or out of pocket max. I was told that I would owe $3,500. $150 to go towards my deductible and the remaining going towards everything else. I paid them $2000 as a deposit before the surgery leaving me with a balance of $1,500. I was told at that time that as long as everything was covered by my insurance. If at any point I met my max out of pocket, that I shouldn’t owe the hospital any more money, even if there was still a balance remaining. I also had another surgery on May 12th. I knew that between both surgeries, I would cover my out of pocket max for my insurance. I got two bills in the mail about a month later one for the first hospital for $1,500 and one for the second for about $2,000 I called my insurance and explained that I met my max out of pocket so I shouldn’t owe anything. They said they submitted claims to both hospitals and that it should be taken care of. I was still receiving bills for both hospitals so I called my insurance again and they said that the second surgery was covered and the claim was being finalized but that they weren’t seeing anything for the first surgery as far as claims go and that I needed to contact the hospital and have them give my insurance a call. I contacted the hospital and they said they would not contact my insurance because everything looks right on their end and that my insurance needs to contact them. I have since contacted both my insurance and the hospital and they are saying that the other needs to be the one to call and that “we don’t call them, they need to call us.” The only thing is that the hospital suggested that maybe I put them on a 3 way call. Anyone who knows about insurance and what I should do, please help. Also I’m sorry this is so long 😅

Like many people, I realized Optum HSA sucks and was trying to transfer over to Fidelity. I put in the request with Fidelity to initiate the transfer and saw that my funds were transferred out of my Optum account in early March via a check they send to Fidelity. Fast forward to this week, I talked to Fidelity several times since they had yet to recieve anything and in their words the timeline was odd. I call Optum and they are adamant that Fidelity should have received something and asks to me to confirm with them again by asking them to search by the check number. I trust Optum about as much as I trust the New York Rangers to win the Stanley Cup so I ask them to confirm where they sent the funds. They read off an address and company that I had NEVER heard of (it is a real HSA company though)... I then confirm they received the actual request from Fidelity and they dont need any additional information to execute the transfer since they ALREADY have the information they need... I don't have a huge HSA account so it was less stressful for me but I couldn't help but think how someone would feel with a HSA account with significant funds that they try to move towards the end of their career only for it to go missing. I'd have lost my mind in that situation! PSA: Double check everything and anything with Optum. If something smells fishy, it probably does for a reason.

So I signed up for State Farm Auto/Renters insurance and all was well. I decided to switch agents because I was not happy with the communication speed I had with the old agent, so i submitted an Agent Change request online. It has been more than a month since the original request and only the Renters Policy moved. The requests show complete, but now I noticed my Auto Policy completely disappeared from my account. Did they mess this up and cancel my policy? I haven’t gotten any emails or documents online stating this. This has been so frustrating and I just want to not have a lapse in coverage for their mistake. Has anyone dealt with this or something similar?

I had a liver transplant in 2023 at Mayo in Arizona. I live in Oklahoma. I have BCBS of Arkansas through Walmart, where my wife works. Regular lab draws are required and I have a DLO (Quest) and few minutes away from my home. I checked DLO's website which stated they accepted my plan. I got my labs drawn many times over the course of 6-7 months before receiving bills from the lab for the full amount, insurance was paying nothing. After contacting insurance, they said the particular location was not in network. No idea why one would be out of network but other locations of the same company are. However, after conferring with both BCBS and DLO, I was told that BCBS of Arizona is being billed because that's where the ordering provider is from. No one seems to be very helpful on either end as far as getting anything resolved, and there's nearly 20K worth of labs being denied. Does this seem accurate from both the insurance perspective of billing another state's plan as well as why they would deny one location but not another of the same company? Any suggestions on what I should do or how to handle? Thanks!

Hi All, Looking for some advice/experience dealing with pet insurance. I have 2 sister cats, 5 years old. I just spent an obscene amount of money on dental work for one of them and am trying to determine if pet insurance makes sense for me going forward. Cat 1 has had some eye infections in the past, at this point treated but she will flare up occasionally when she's stressed. I'm worried that will be considered a pre-existing condition and won't be covered because she's received treatment before. Cat 2 is the dental work one, and I am anticipating more cleanings in her future. Does previous dental work trigger a pre-existing condition or have you seen that in your experience? She's also getting treatment right now for an ear infection and I'm worried she's susceptible to those as well and that will also be flagged as pre-existing. I have no faith that an insurance company will deal with me fairly, so I'm wondering if it's even worth it if any of these issues won't be covered as they're what I go to the vet for usually. I have a number of options for insurance based on my employer's perk programs. I see a place like Spot will cover issues after 180 days, but then it seems like they only cover $100 on dental cleaning? That doesn't seem like much when for cats they have to sedate them anyway? I'm sort of rambling but I guess my ultimate question is - is it too late to get insurance for these cats because I've been diligent on getting them treatment in the past?