Hi, I recently canceled my joint insurance policy that was under my brother and i's names. They sent a refund but the check is only in his name, I asked if they could send another check in my name because he's not available to cash it, and they said that his name was the only one on the pay account for the policy even though the policy was in both of our names, so state farm will not issue another check in just my name, or in both of our names. Is there any way for me to cash it? I'm the only one that paid the bill for insurance for 2-3 years using my card, in my name every month. And I think it's a little stupid they won't issue another refund to me specifically, when it's my money being refunded. Any help or advice at all would be greatly appreciated, thank you!

I had an ER visit back in Dec 2024 and I got a bill yesterday for 1000$. On my insurance app (MI Medicaid) it says I owe 0$ and the claim was denied but I still got a bill. Am I responsible to pay this bill still? I submitted a claim with my insurance because it was an emergency and at night no urgent cares were open. It’s Sunday so nothing is open and nobody else I can talk to right now. What should I do?

Last month, I was unfortunately the victim of identity theft and a scam. A scammer from Nigeria hacked my social media accounts, emails, and phone number. Worst of all, they somehow withdrew $3,000 from my checking account and spent it on cryptocurrency. At one point, they even asked me to send them nudes, which was terrifying. As you can imagine, I have been severely traumatized by this violation. I immediately filed a police report and contacted my bank to report the fraudulent transactions. Despite submitting supporting documents—such as emails showing my passwords were changed and login attempts were made from Nigeria while I live in the U.S.—Bank of America has denied my claim twice, insisting that I authorized these charges based on my purchase history. What’s most frustrating is that I have never purchased cryptocurrency in my life, so I am insulted to be accused of stealing my own money. As a young college student, $3,000 is a huge amount, and I feel furious and helpless. I am considering filing a claim with the Consumer Financial Protection Bureau, but I’m unsure if they can help me recover my money. Unfortunately, I cannot afford to hire an attorney. What are my options? How can I get compensated? I feel betrayed by the bank I’ve been with for 10 years. If anyone has experienced something similar, please let me know.

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?

Hi all, I'm running into a pretty frustrating issue. I have called like 50 clinics in the Austin area and even though they appear on the list of clinics that take my insurance, they don't. Is the only option to pay out of pocket? My son is 3 and has a delay that was diagnosed at 2. We had speech therapy for a while and he is doing a lot better, but I am having issues getting it covered. I have an Aetna plan that is self-funded through my employer. If I could find a clinic, they would cover the sessions at 100%. My son is 3 and I have called the school district, but they said it would be next school year before they could assess and set him up, if his delay is even serious enough. He does not have autism, he has no other markers for it besides the speech delay.

Hello, I have lemonade insurance for all 5 of my cats. Today I got an email that my claim for my cat was only partially approved (the exam and urinalysis) but not the X-ray. The X-ray was to also check the bladder for uti, and some crystallization was found. They also X-rayed his lungs and found out he has mild asthma. They did not approve the X-ray (and will not approve future asthma treatments) as they’re saying it was a pre existing condition, but it is most definitely not. He went in for sickness twice and both times experienced wheezing because of the sickness and with X-rays was not diagnosed with asthma those times, he also has a nasal anomaly/polyp that causes a funny sounding breathing from his nose, again not asthma but this has been noted in his notes. Has anyone had this happened and successfully appeal? My vet is great and would likely write medical notes or a letter or whatever to help me get his asthma treatment covered.

I might get flooded with 100 "No, why didn't you read the policy language" comments, but it's worth a shot! My partner and I have been with Trupanion for four years, and we have a love-hate relationship with it. (But it feels like that's common for most pet insurance providers -as with insurance in general). We have been fortunate to gain more financial stability in the past year and decided we wanted to add "Recovery Care" to our plan. This would raise our monthly premium from $145 to $190, but we decided it was worth it. However, when we reached out to Trupanion via online chat to add this coverage, they let us know that they have a policy that you cannot modify your policy \~at all\~ after 30 days of joining said policy. This is wild to me because financial circumstances change, and...why would they not want to get more money? Now I'm seriously considering changing providers. My question, before "jumping ship" from Trupanion is: has anyone gotten them to waiver on this policy? I'm also going to call their customer service line to see if I'd get more traction there compared to the online chat, but I thought I'd ask here too.

26, California, $37,000. My health insurance provider denied me access to estradiol for the purpose of gender transition (MtF). I was prescribed this by my doctor and they called me to inform me that my insurance excludes anything under gender related health care according to a denial letter they got from the company. Blue Cross Blue Shield Kansas City provides the health care in Missouri because of the company being nationwide, although I am based in California. I have yet to receive a copy of the denial letter myself, but plan to get a copy of the one from my doctor's office if I don't receive one in the mail this following week from the company. According to the BCBSKS website they do cover gender transition and when I started this job I asked them if it was covered. My H.R. representative seemed confused about the denial and said she'd look into it as she'd never run into this before. She also that they supposedly cover gender related surgery at a certain percentage so something seems fishy. Is this a recent policy change? What are my options? I'm currently filing a complaint through my recently formed union at the company and will be using GoodRx to be able to afford it, but now I'm worried if I tried to receive anything else transition related and am frustrated it won't go towards a deductible. I don't have the letter of denial yet. Will I be able to appeal with information on the letter? Is this legal since I am a California resident or is it all purely through Missouri laws? Just looking for advice.

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.

Hey folks, my son was in a n accident a year ago. A driver hit him and a number of other people on the freeway. Son was NOT at fault and took the least of the overall damage. Mercury had me send the car to their adjuster and repair. It was fixed a year ago. All done I thought. Now I’m getting messages from the adjuster ranking for the EDR data from the car. What are my obligations here? The car was in another slight accident after this(hit a pole). Neither accident had airbag deploy. The letter they sent was quite demanding.