I’m getting fed up with navigating these PPO plans. 3 tiers in network, out of network. Lab fees from pcps being sent out of network and charged outrageous amounts specialty providers working out of our primary hospital apparently “not covered”. I know there are others on here with worse situations. Surely there has to be a health insurance negotiator/broker that will help correct and track these charges to make sure we’re not getting wrecked by these incorrect charges. Something like a rocket money that will work through the fine print in the insurance contract and make sure we’re not being overcharged. I’m here for all the suggestions. We use Ascension smarthealth for reference and if you’re curious about it, stay away.

Recently a storm blew through and did a ton of damage in the neighborhood. Adjustor came out and declared the roof a total loss, however all said they were exploring possible negligence. Couple weeks later they declared that the could only pay for half the roof because they had pictures of roof damage 2 years ago (damage was just a dozen or so 3 tab shingles that had torn off, nothing major, which was since repaired). The next day they just deposited the money in my bank account, however I haven't signed or agreed to anything. Is it possible or worthwhile to fight this? Unfortunately I don't have a paper trail of the roof repair because a friend of mine fixed it to return a favor. I spoke with a roofing company with good reviews on Google who said they will fight it for us. That a good idea? Also reaching out to my friend to see if he has any companies he recommends.

I was involved in a multi-vehicle accident almost two years ago. As the statute of limitations nears, State Farm who insured the at-fault party reached out asking for a blanket release of medical, work, and school records for a bodily injury claim. I’m obviously not signing that. My insurance already paid the only medical bill I had related to the accident directly and seems to have collected money for the vehicle and related expenses from State Farm. Am I obligated to provide State Farm any other documentation for the claims that have already been paid? Want to put this saga to rest for good.

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

Hi all, I have a ragdoll cat who just recently turned 1. We’ve had no health issues thus far. I start seeing this subreddit pop up and saw horror stories of HP. A couple questions: 1. I know a big part of if reimbursement is diligence. Our breeder did a health check on our kitten and gave us the paper work when she handed him over, but we still haven’t submitted it into HP (I know that’s on us). We started HP about 15 days after the exam. Will that paperwork be okay to submit now? 2. We are currently paying $30/month. Are we better off switching now instead of dealing with HP long term? Thanks!

Hi! I took the SBMA MEC for just about a few months in late 2024 with a new job I started. I went to the doctors on November 12th and also received bloodwork but later I received a bill for $2000 for the bloodwork and $1265 for the Physician Office Visit. I am wondering if Minimal Essential Coverage doesn’t cover basic bloodwork? Last I was told, Labcorp was waiting to hear back from SBMA for covering the services but I guess the insurance never got back to them and I’m stuck with this bill :/ I will be contacting SBMA again and also Labcorp to see what I can do.

I have a pair of Sphynx cats—both female, spayed, and 1.5 years old. Right now, I have Trupanion for their pet insurance, and overall, I’ve had a good experience with them. That said, one of my girls had an allergic reaction earlier this year that required multiple follow-up visits, and the out-of-pocket costs for exams alone really added up. I reached out to Trupanion, and they said I’m allowed to have a separate wellness plan from another provider to help cover things like exam fees and routine care. So now I’m on the hunt for a solid wellness plan—mainly one that covers exams, vaccines, and most importantly, the annual HCM screening for both girls. Trupanion might or might not cover that since it’s kind of a gray area between diagnostic and preventive. I’m betting they’ll treat it as preventive, so I want a backup plan. Any recommendations for wellness plans or other insurance options? Every time I think I’ve found a good one, I come across a flood of awful reviews (though I know that’s just the nature of insurance). I do plan to call and confirm coverage details before signing up, and I’ll also ask if they can review my girls’ vet records to determine what they’d consider pre-existing. Thanks in advance for any suggestions!

Location: New York State I recently moved and set up auto deliveries with Amerigas, mistakenly assuming auto payments were set up as well. On the morning of March 25th, I discovered my propane service had been cut off without any prior communication or notice, leaving my home cold and smelling of propane. I immediately paid my invoice in full upon realizing the mistake. However, when contacting Amerigas, they stated they couldn't restore service within a reasonable timeframe (2-6 days) and refused to allow another company to fill the tank, which I believe violates the Propane Consumer's Bill of Rights. Additionally, they indicated I couldn't purchase the tank, contrary to my Residential Customer Agreement, and didn't provide the Propane Consumer's Bill of Rights in our contract, which is another violation. They also mentioned no notice was needed before service disconnection, which I understand contradicts New York State Heating Fuel Customer Rights. I have been a customer for six months with no prior issues. What legal options do I have regarding these breaches?

I originally signed up for Petplan Canada because we had it for my cat in the UK and they were pretty good. Signed my cat up here in Canada when she was about 7 years old. A few years ago they got bought by Fetch who definitely seemed a bit dodgy based on the sudden price increase and trying to sell preventative care packages that are a total scam. Made my first claim this summer (she's now ~12?) when my cat suddenly got very sick from a hairball. She had a lot of tests including X-ray blood test, and ultrasound at the emergency vet. My Fetch policy at the time was about $133/month ($1500/year) with 90% coverage, max deductible ($650). They reimbursed $2500 of the $3500 without any resistance for which I was pleasantly surprised. I just got the email for the policy renewal and it has gone up from $1500/year to $2500/year. Some of that would be from my cat being one year older.