ive asked anthem blue cross five times and not getting anywhere. my mental health is completely covered. i made an appointment to do telehealth and they said i have a copay of an office visit. the insurance company offers telehealth through their own app online. what i want to know is - how can i find info on the telehealth offerings that my insurance cover. am i wrong to assume they should cover the entire cost since its under mental health. do insurance companies have different rules for telehealth? have they come up with different rules and why cant i just read about the rule? they keep saying send them the cpt code? so would it be normal that they cover mental health one hundred percent but telehealth for mental health is the cost of an office visit?

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

I reported a provider to my ins co for balance billing. The provider wanted me to sign a waiver allowing them to balance bill me. I asked the rep if this waiver is illegal, and/or would it get the provider kicked off for violating their contract. I really couldn't get a straight answer. I was just told that unfortunately a lot of providers do this, and there's no guarantee of what will happen to them. Is it worth it to also report them to my state's insurance division? I don't want to waste my time if these balance billing waivers are legal.

Hi everyone, my 77 year old dad is visiting me in May. It's his first time in the US. He has a COPD condition and we recently came to know from his doctor that he needs supplemental oxygen. He had to do a bunch of tests (spirometry, Hypoxic challenge) to qualify for it. The thing is once he is here and it's time To go back, the airline needs him to redo the tests that he's already done. I talked to INF and it looks like they only cover an onset of a pre existing condition. But, this counts as ongoing care. Can anyone recommend an insurance that will be helpful in this case? Thank you so much.

I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

Hello can anyone share if their pet insurance covered electrochemotherapy for their pet? I have healthy paws and inquired and they said it “may be covered” subject to policy rules. However electrochemotherapy is not FDA-approved in the United States and healthy paws policy states they don’t cover non FDA-approved treatments. Just looking for some insight. Thanks.

Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.

When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

So the title basically sums it up. I had I guy scrape the paint off the driver side front fender and a little bit off the side around the wheel well at a gas station about 4:30 am after I got off work. I got their insurance info and pictures of the damage, ID, and insurance info (Progressive). Someone gave me their number to act as a witness and it's on the video at the gas station, and the gas station employees know me from stopping by after work and said they'd act as witness too, so I didn't think it was worth calling the cops over. The problem is, is that Progressive wanted me to use their website/app to take pictures of the car and then a video of the car (inside too for some reason). Honestly it seemed like a bit of a hassle. Any other time I've had something like that happen I've just had to take it to a shop and it gets fixed. The car was in perfect condition went it happened, which they asked about when I was filling the initial claim. Unfortunately I put it off for a a couple weeks since my working nights made it so it was dark when I got home and the sun was going down when I got up to leave for work (this was about a month ago when we had less daylight), and off course I procrastinated like I shouldn't have since the car was fine to drive. Then, about 2 weeks later, I was driving home after work and was in this stretch of the highway that is really dark when something hit my car HARD. I didn't know what it was, it was just some black blur that I didn't have enough time to dodge. I pulled over really quick cause I was dragging something and I didn't know what condition my car was in. Turns out I was dragging a chunk of my fender that was broken off. Luckily my car was drivable, but I had a hole about a foot in diameter taken out of the front fender closer to the passenger side of the car. I walked back up the highway and it turns out the semi I was behind shredded a tire and it just ripped threw my car. I've seen people hit by those before and it's surprising how much damage they can do. I honestly thought I'd have more damage from the sound of it and from the feel of the impact. Now my problem is both that I didn't get the semi truck's info so I can't have them pay for that damage, and because it happened before I made the video I now have damage to the same piece of the car that was mainly damaged by the the guy at the gas station. So I've just been stressing out about how to deal with it, not knowing how I should go about handling this now that it's gotten complicated. I swear, I go years without trouble then get hit back to back. So when looking online to help figure out what to do, I found some similar stories on Reddit while trying to navigate this, but none that fit me specifically. So I'm hoping I could get some advice on how to best deal with this, or at least someone that can let me know what to expect. Sorry for the length of post, and I appreciate any help!

Hey everyone! I just got an 8-week-old Australian Shepherd and signed him up for a policy with Pets Best. After reading through the contract, I noticed they have a clause that says even undocumented or undiagnosed conditions can be considered “pre-existing” if the pet showed any signs or symptoms before the policy start date or during the waiting period. Now I’m kinda paranoid and want to protect myself in case they try to deny anything later and try to blame it on that clause. I’ve read stuff online about insurances doing that. Has anyone else done a routine vet checkup right after enrolling, just to have something on file that says the pup was healthy at the start of the policy? Did it help? I’m thinking of doing one this week just for that reason. Would love to hear what others did — or if anyone’s dealt with a similar denial. Trying to play it smart before something pops up!