My primary care provider is a PA with a family practice. I have seen her many times and paid just my office copay. My last visit was billed as a specialist visit and is requiring the specialist copay. My insurance is saying that they consider PA's to be specialists so are billed accordingly but could not explain why every other visit was billed as an office visit. On their provider directory her copay is listed as the office visit one. I confirmed with my doctor's billing department that they did not bill it any differently so it should not require the specialist copay. I've spent days calling my insurance but every time they "review" the claim they come up with the same answer. Any ideas on how I can get this fixed?

Hey all, I’ve been having issues with my insurance trying to approve a surgery. My surgeon submitted a prior authorization and they denied it. They resubmitted it with a different diagnosis to meet the criteria. They usually take 5-10 business days. But within 48 hours I checked my UHC account and it said “cancelled”. What does it mean when it’s been “cancelled” and not actually denied? I have United Healthcare through my mom’s work. Thanks!

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

Our cat Miles was experiencing bleeding gums, bad breath and difficulty eating. We brought him to the vet and they thought he might have tooth reabsorption. They gave us an estimate for a dental and we submitted it to ASPCA. ASPCA approved it and we went ahead with the dental a week later. Dental was complete and ended up not being as bad at the vet thought and he ended up with a cleaning and no extractions. We submitted to ASPCA and the claim was denied. They are saying that it's a pre-existing condition because Miles went to the vet last June after getting into a house plant and the vet noticed gum inflammation from it. The vet gave him an anti inflammatory and notated in his October check up that his gums and teeth were in good condition-- in our minds, the inflammation from eating the plant was "cured." ASPCA will cover pre-existing conditions that have been cured for 180 days. The vet used the word "stomatitis" in the records during the June visit and that's why ASPCA is denying us. Because stomatitis isn't considered a curable condition. Our vet tried to reason with them but they won't budge. Our biggest disappointment is with the bait and switch-- when I called to ask why the estimate was approved and the claim was denied, despite them having his full medical records both times, they said they got "new information" in that week between the estimate and the procedure. Not sure how that could be because they had everything about him from vet for the estimate. Not a great start to our relationship with ASPCA.

Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

TL;DR: Be nice and…get yo money?? I made a post a few days ago about how I was seeking compensation for the stress caused my the mishandling and lying committed by the at fault drivers insurance. This was my first car accident, so I’ve never dealt with the claims side of insurance. I explained how it’s my understanding they were in violation of the Unfair Claims Settlement Practices Act and how when I finally got ahold of the other insurances adjuster, he made multiple false statements (which his supervisor confirmed were untrue statements). For many reasons told and untold, this was stressful. I made a post explaining how I was seeking compensation for the stress caused by the mishandling of this claim and asked what the chances were that I’d get compensation. I came here seeking genuine answers and instead I received belittling comments, essentially saying “you will receive nothing you dumb fuck.” Well…I just received an email today from the insurance agreeing to pay exactly the amount I asked for. While I get things take time, not hearing a single word from the other insurance for almost two months when their own policy says they reply within one business day, and making multiple unnecessary false statements is not right. Making belittling comments to someone is also not right. My point is, be nicer. Don’t join a subreddit where people are seeking genuine answers if you can’t give them, or simply don’t comment. AND, if an insurance company got you feeling stressed, take a chance. It might literally pay off.

I have a 2015 Toyota RAV4 and I still owe 12,000 on the vehicle, Just got it last year. with that being said I was in an accident on 3/6 and their insurance company wants to claim the vehicle as a total loss... my question is what if they don't give me enough to cover the loan? I am pretty stressed because the accident was not my fault at all. it is going to liberty mutual does anyone have any idea?

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

So our car was stolen and our insurance (Progressive) gave us their vehicle valuation report. The base value is 33k and they deducted almost 12k since it's salvaged title (stolen recovery) so it ends up being almost 21k. My problem is that 3 out of the 5 comps in the report were also salvage title! So I sent them a letter saying based off of their formula they should realistically be giving me the average price of those 3 salvaged vehicles (ends up being 31k after adjustments) these are cars that are selling or have sold in my area. Instead they're double dipping using salvaged cars for comps and deducting the title history deduction on top of that. Now, they give me a call back saying they're firm on their number they can't move around numbers bla bla bla.. I don't get it? , realistically I wasn't expecting 31k I wanted to negotiate and meet somewhere in the middle and now they're telling me they're done.. to invoke my appraisal clause. Like are they serious? Based off of reddit I thought insurances went up a little and tried to negotiate somewhat. So am I stuck now? Should be worth hiring an appraiser right? Anyone go through a similar experience or have any advice?