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.

Please don't fall for them . They are a scam . Besides internist personally writing to them that my cats who (needed biopsy )condition was not pre-existing sending 2 years of medical records calling emailing speaking with several people who barely know what their doing they denied my claim. Don't fall for their lying sales people . I report them to BBB I hope more people will ,Spot can't keep scamming people.

I'm honestly at my breaking point dealing with BCBSNC. I’ve had multiple claims denied that should be routine — and I’m exhausted from trying to get clear answers. Recently, I had in-network bloodwork done that was ordered by my doctor. BCBS denied the entire claim — not even applied to my deductible — and there was no EOB at first. The exact same tests were processed last year with no issue. In Dec. I had a bad sinus infection, I went to urgent care, and even though the provider billed it correctly as urgent care (POS 20), BCBS processed it as outpatient hospital and denied the appeal. Last year, I also got stuck with a $1,300 bill after seeing a cardiologist who ordered a stress test at a local hospital. That claim was denied too, because they classified it as an outpatient hospital visit — even though it was a specialty care appointment. I’ve submitted appeals, contacted billing departments, and chased down paperwork, and BCBS just keeps giving vague, inconsistent responses. I haven’t contacted HR yet, but I’m seriously considering it, along with a complaint to the Department of Insurance. I’m using in-network care and following the rules. I just don’t know what else to do at this point. Has anyone else dealt with this kind of mess?

I got into a car accident almost a year ago. The person I got into the accident with was insured by State Farm, the accident was in late May, she opened the policy at the beginning of May. At the time of the accident when I called State Farm to attempt to file a claim with their party’s insurance, I was told they couldn’t find the policy in the system. Upon following up numerous times State Farm ultimately denied coverage and I had to open a claim with my insurance. I was not at fault if that matters… My vehicle was totaled out, I paid my deductible and bought a new car with the check issued by my insurance. My insurance was unable to recover my deductible from the driver or State Farm and ultimately sent the file to collections. After the file was sent to collections they were able to recover the deductible, however are unable to tell me who made the payment. Fast forward a year later I get a call from State Farm regarding the accident. Apparently the driver was covered at the time, and they’re offering a settlement. I called my insurance to inquire if they knew the driver was covered and they sent over a copy of State Farm’s written statement denying coverage… accept the person listen under “Our Insured:” doesn’t match the name of the driver which is the same name on the policy information. My question is, I already signed the release for the settlement but this something worth following up on? I spoke to State Farm to ensure the party was actually covered and they confirmed she was. Or should I just wait for payment and let it be?

I am due to give birth end of May. The hospital that my obgyn is partnered/contracted with is where I went on 03/01 because I had a pregnancy scare. I went straight to Labor & Delivery and was there for a couple of hours. The on-call obgyn is the one that saw me. I have NOT received a bill yet, only an EOB from my primary insurance, stating that the claim was denied. In the EOB- it was stating that the hospital is an out of network facility. However, I’ve spoken to my insurance directly few different times who said the hospital that I went to indeed is an IN-NETWORK facility. Now the last agent I’ve spoken to today told me “address where the service was rendered is confirmed to be outside the network for the facility. Here is what adoress of the facility showing on the claim” and it’s a complete different address than the hospital I went to, like in a whole different state. The first agent that I spoke a couple weeks ago stated the claim type says “outpatient hospital non contracting”. The last time I tried contacting the hospital themselves, the agent was saying I need a bill/statement account number, which I didn’t and still don’t have because I was never sent a bill as of today and he said to wait until I get a bill. It’s been over a month and I still haven’t received a bill from the hospital from when I went to 03/01. I was going to explain my situation and how I still haven’t received a bill but the billing office is now closed. I do have secondary insurance but they didn’t even receive a claim from hospital, which I am assuming they didn’t even bill my secondary. I’m just so confused and overwhelmed! Does this sound like the hospital submitted the claim incorrectly?

My 2-year-old husky/rottie mix, Raymond, is insured through HealthyPaws. They have been wonderful- it's $57/month for 90% reimbursement with a $250 deductible. As I'm sure you can guess from his breed, he has had several expensive accidents, especially when he was little. HealthyPaws has covered all of them and saved me thousands. There's also no annual limit. My boyfriend and I live together now, and we want to insure his 8-year-old greyhound/lab mix, Tucker. He's healthy and has no pre-existing conditions. I called HealthyPaws to add him, but they said the only option is $69/month for 50% reimbursement with a $1000 deductible. While looking into other options, I found tons of reviews saying that HealthyPaws significantly increases premiums each year. Now, I'm considering moving Ray too and putting both dogs on a new plan. Despite competitive pricing, it looks like Lemonade is bad about premium hikes too. Trupanion would triple Ray's premium and make Tucker's absolutely ridiculous. Nationwide only offered Tucker a dirt cheap plan that doesn't cover illness. PetsBest gave me a great quote for both dogs, but has mixed reviews about coverage and price hikes. I'd appreciate any recommendations/advice. I'm looking for a company that is able to do 90% reimbursement and a lower deductible for Tucker despite his age, doesn't increase premiums much each year, has no annual limit (or a very high one), and doesn't deny claims for stupid reasons. Add-on riders for routine wellness are a plus as long as the limits are reasonable- we spend $400+ each on Simparica Trio each year, and their annual exams are pricey.

I just got our policy renewal from PB and saw our premium doubled! Once my shock wore off I found my way to this subreddit and found other posts of people saying the same, sounds like a private equity firm bought them. Ugh. I'd be curious to hear from some of you who made the switch to something else -- who'd you go with? Are you happy with them so far? For context we have a 4 year old basset hound and are getting a puppy the same week our policy is supposed to renew, so this comes at a somewhat convenient time. Our current dog got a breakthrough case of parvo when he was 1 and did a stint in the e-vet (which PB was really great about) but hasn't had any other health issues since. I don't \*think\* parvo would be considered a preexissting condition since he made a full recovery, but you never know with insurance companies.

No claims in 12 years with Allstate. Hear their home claims are a nightmare. Hear good things about Amica. Carry homeowners, 2 autos, and an umbrella. Would cut my auto insurance half but double my homeowners leading to a wash prior to the amica dividend payment. Couple questions: What do you use to calculate your replacement cost for a house? Do you make any changes to that calculation if the policy has an overage waiver? My Allstate is 20% and the quoted amica is 30%. Any reason to carry additional structures if I don’t have a fence or our buildings? Any others to look into for insurance? With amicas rates in auto, it could make sense to break out my homeowners if we don’t choose to bundle.

Bought my home back in 2018. My mortgage company chose Berkshire Hathaway and they paid them through my mortgage payments so I didn't pay BH direct. I got notice last week that my policy will be cancelled end of September. Do I need to shop insurance myself or is that up to my mortgage company since they have vested interest in my home? Can I tell my mortgage company what company and policy that I want?

Amy guidance is appreciated. I was driving down a street when a car t-boned me, I spun around in oncoming traffic. I was able to move my car safely. The driver who hit me walks up and says it is his fault. I get my phone out and start recording, I asked him to say it again, he asked if I was recording, I said yes. He said that was fine but when I asked him to repeat what he said, he said it to let the insurance company handle it and laughed. I get taken the to ER just to be safe and I was released shortly. I was given a 2 day work off work note. I immediately reported it to my insurance company. They said they will reimburse me for my medical. The other driver admitted to his insurance that it was his fault so my insurance waived my deductible and will pay for my rental car for 30 days but my insurance will not pay for my lost wages. 2 days later I go to urgent care because now I'm feeling it and I get another doctors note to take me off work for a few more days. I'm very nervous to drive. Now, the other insurance company seems very eager to pay my lost wages, any physical therapy, all my medical, etc. I'm just skeptical they seem so willing to pay. What information should I give them access to and what should I not? What if they have me sign something, what should I look for or make sure I am not being hustled? Any guidance is appreciated. I'm new to this.