Hey all, Ran across something weird today. I was notified by my son’s pediatrician office that his provider was not covered under our insurance plan. We have been going to this provider without issue and picked this provider based on the fact that when we searched him on our insurance website, it listed him as in network. I contacted my insurance company, and they reported to me that on initial search based on NPI, he was a covered provider. I called the billing office back and they said to give the insurance company the tax ID to search. I did this, and my insurance said the tax ID was not covered, but when the tax ID and NPI were provided, it was listed as covered. My insurance called the billing department, and they told my insurance that they do not accept my insurance plan, only certain policies under my insurance provider, but not my specific plan. The medical office told me they would be resubmitting the prior claims since they should not have been processed as “in network” and that I would be responsible for payment since it’s out of network. I can’t make any sense of this. All prior claims from the visits were processed and covered by my insurance, but now the medical office is claiming that they have always been out of network? Why would they have been billing my insurance if they were in fact out of network? Any help or insight would be helpful!

I am looking to start renting my home in July when I move out of the country. I'm very confused on landlord insurance, though, and would love some help understanding it. Everything on Google says landlord insurance should be cheaper than homeowners insurance since they don't cover the personal property, but from my one quote so far from Allstate it's also looking like they don't cover the actual property either. What is $66,500 going to do for me if my house burns down or gets sucked up in a tornado? (Quote at the bottom) It just doesn't seem logical to me. The lady on the phone said something about requiring renters insurance and that THAT would cover the rest of the property should something happen, but is that true? I am a worrier beyond worrier, and want to make sure everything is protected, especially since I'll be in a different country. Could anyone help me understand what I should be looking for/asking for/quoting for? And what should I be requiring for the renters insurance? I have an insurance broker getting me more quotes at the moment. I just don't want to make the wrong decision and end up getting 1/3 of my remaining mortgage should something happen to the house. 😩 My 1 quote so far: Dwelling Protection $66,500 Premium: $1,390.47 Liability Protection $200,000 per occurrence Premium: $15.00 Premises Medical Protection $5,000 each person Premium: $9.00 Personal Property Protection $5,000 Premium: $5.03 Other Structures Protection $6,650 Premium: Included Fair Rental Income Selected Premium: Included DEDUCTIBLES All Peril Deductible $1,000.00 Estimated Total 12-Month Premium* $1,419.50

I’ve had my two dogs insured with Healthy Paws for almost a decade, and at first, it seemed like a great choice, claims were really easy, they seemed like they cared by sending good will messages after a claim etc. Monthly premiums started at around $30–$40 per pet, then slowly crept up—$50, $70, $90. It was annoying but manageable, thought it was normal as dogs aged and there was also inflation. Then, things went off the rails, I think it's because they were acquired by a bigger company (that's my speculation tho). My premium was already high at around \~$250/month for both dogs, but now they want **\~$550/month**— more than double overnight! No new benefits, no explanation, just pure corporate greed. It’s clear they’re taking advantage of longtime customers with older pets, knowing we have fewer options due to pre-existing conditions. It’s a disgusting, predatory practice. They assume people won’t leave, but I’d rather pay another company—even if it costs more—than reward this behavior. **I'd say avoid Healthy Paws at all costs.** Also if anybody had changed insurances at a similar point and were happy after please let me know!

I live in the Central/Northern Arkansas area with State Farm as my insurance provider and I am 20(M) I own two vehicles: 2009 Chevy HHR LT Panel(2.2L Ecotec) 1997 GMC Sierra SLE(5.7L Vortec w/ 4L60E) Both of my vehicles are covered under liability. I was recently rear ended on the interstate in my truck, it honestly held up pretty good, but still a decent bit of damage. An appraiser came out and said it was about $3,700 worth of damages. They then have to run a report on my truck to find the total value. From what I understand, they find a vehicle in my relative area (the two they found are in Kansas and Tennessee) and take the retail, or selling price, and use a formula to calculate the Actual Cash Value(ACV). They then look at the features on those vehicles, compare and contrast them to mine, thus raising or lowering the value of my truck with each feature, to determine how much my truck is worth. Finally got a call back, they say it’s totaled and their number is $2,959, meaning they would be buying it from me and taking it. And there’s potential that I cannot buy it back depending on whether they deem it unsafe to drive. I feel like I’m being cheated. My truck is still running and driving perfectly fine, I can tell there’s a little bit of frame damage at the rear under the bed(the truck hit my receiver and it slightly bent the frame inward). It’s very difficult to find a vehicle that not only is as reliable as my truck is, but also has the capabilities mine does. Not to mention the fact that my Great Grandfather gave me the truck, and he was the original owner. And currently my truck is also my only form of transportation because my dad and I are in the process of rebuilding the motor in my car. If I try to find a truck like mine anywhere, it’s easily double what they’re trying to pay me. Some people want $2,500 for a truck in the condition mine is in with no motor or transmission, or serious problems with one or the other. Note: Accident was a hit and run, driver at fault was not found. I was rear ended and pushed slightly into another truck. Also, for reference, I will list the prior and current conditions of my truck: Prior: 261,000 miles Dash slightly cracked Grille slightly cracked(have a new one just haven’t replaced it) Clear coat peeling and sun damaged in some areas Very minor dings/scratches Cloth seats, carpet, and headliner had minor holes, tears, and/or stains Current: 262,000(what the appraiser recorded) Dash cracked slightly more Rear bumper pushed into bed on passenger side Bed pushing into cab denting both pillars Bed now unaligned from cab slightly Driver seat leaning to the right slightly, will not recline forward or back Tailgate slightly scuffed and dented Receiver almost broke in half and bent the frame slightly Front bumper pushed backward, slightly crushing the filler panel in between the bumper and grille Very slight crease on the back passenger fender I would be perfectly fine with the $2,900 if I could just keep my truck without having to pay extra. The salvage retention fee is $811 and some change, and my deductible is $250. And still no guarantee I could get it back until I tell them to run the report. They said I could send in other comparable trucks, but it has to be “a link I can click on to see exactly what you’re seeing and include the vin number”. Doing so could potentially raise the value of my truck, but only ever so slightly from what I’ve been told, and if I were to do that, it would have to be before they tell me whether or not I’d be able to keep my truck. If y’all need more information feel free to ask, I just want some help and guidance. Another note: at the end of January the dryer in my old apartment caught fire and everything was smoke damaged. My gf and I at the time got a new apartment and then we broke up mid February, and the wreck happened at the beginning of March. I don’t know how I am holding it together.

I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc. I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records? Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?

Wife got into an accident. She was stationary at an intersection. Other car turned into her. Our car 2013 Elantra suffered a cracked bumperl We took it to Maaco ..they estimated 2115 or so. Progressive accepted responsibility. Like a fool i verbally told them I would accept cash settlement, They sent me their estimate which was $915..yikes....havent received check yet.....do I have any recourse?

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

Location: Dallas, TX. I was out of town in November, and my vehicle was being driven by my housesitter, who was involved in an incident where (I believe) the other driver was at fault. She stated she was sitting at a four-way stop when it was her turn to move forward and a driver came through the intersection without stopping and swiped the side of my vehicle. He provided to her his drivers license and car insurance information at the time of the incident. When I returned from my trip, I filed a claim with his insurance, which was USAA. No police report was filed. I have insurance through Texas Farm Bureau but liability only with a 1k deductible. The first agent I worked with at USAA was completely unresponsive, I reached out multiple times to her over the course of several weeks before I had any follow up and had to escalate my claim to a manager. Finally, a second agent was assigned. The second agent originally told me that, based on the first agent’s notes, the claim would be closed in my favor, she just needed to verify with her manager because no one had been able to contact the driver. The next time we spoke, however, she said they needed to speak with the driver to verify events before they could close the claim. Basically, over the course of several months, the driver refused to contact USAA or speak with them about the claim. According to the agent, they sent several letters and calls. I’ve just received a denial letter from USAA and the advice from the new agent is that I file a claim with my insurance and they can try to recoup any monies from USAA; however, I’ll basically just be paying out of pocket bc of my 1k deductible and liability coverage. I haven’t gotten an estimate on my vehicle yet but the damage doesn’t seem extensive, I would think maybe $1000-1300 in repairs; however, much more than I can afford. Do I have any recourse to get this handled with USAA? Updated to add paragraph breaks. :) Also updated to say I will double check with my agent about my policy tomorrow (they're closed now). I thought I had liability with a 1k deductible but I'll double check on whether or not thats for collision coverage. I looked at my policy documents and I can't tell what I have... Thanks for all the help !

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

Got a quote from GEICO like around a week ago for 299 and month for full coverage, it’s the cheapest one I found compared to other insurance companies charging me 2x that at 18 I called GEICO and ran through the quote with him for a 2022 Hyundai Elantra limited he said it will be 304. That car ended up getting sold I found a new car I wanted clean title not a rental 7k miles 2024 Hyundai Elantra sel I got quoted $299 for it last week. Now I did another quote for the same car it’s all the same info I had last week and now it’s at $540 a month. I called and the GEICO guy said “rates can go up” and I highly doubt they go up $250 in a week. He did say my $299 quote sounded unrealistic and they whouldnt quote that when I literally have the saved quote on my GEICO app. I’m just wondering is this normal? And I can still buy the $299 a month quote right now since I did save it but I am scared they will raise my insurance prices to 550 a month after the 6 months. I do have screen shots of both quotes but just can’t add them. Should I buy the $300 a month quote since it’s the cheapest I found or will GEICO raise my rates after 6 months.