Progressive offered me $750 for diminished value based on costs they incurred for the claim. They did not even consider the actual cash value of the vehicle. For context, this is in Texas and the claim was made on the other parties insurance and I was found at no fault. The car is a brand new BMW M2 and the total repairs estimated around $4-$5k including labor. There’s definitely more than $750 of diminished value since this is a performance car and now has an incident on the car fax. According to the representative, they are not willing to offer more even if I get an estimate of the actual cash value. Do I have any options outside of just accepting what I was given?

I enrolled my pup in Pet Best insurance last year, including the wellness coverage. I submitted a claim for a vaccination on April 19, along with the receipt and clinic record. It’s now been over two weeks, and the claim is still listed as "pending review" with no updates. I’m confused why it’s taking so long—wellness claims shouldn’t require checks for pre-existing conditions, and there’s no deductible involved. What exactly needs to be reviewed? Thankfully, it’s a small claim, but I can’t imagine the stress if it were a large expense. Has anyone else had a similar experience with Pet Best?

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.

I’m 23 buying my first car. It’s a generic 2007 Pontiac wave and I want to do uber eats with it. I got a quote from Intact and he said it would be $800 down and $500 and change a month. This feels insanely high, even for commercial insurance. Any advice? Edit: I am a new driver so i understand it’s going to be a bit higher.

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?

Was just on hold for 4 and a half hours trying to get a quote on my car.. they don’t do quotes in office anymore either…

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?

This year, my Farmers umbrella policy for 2 mil coverage premium increased from 1000/year to 3880/year. We are in California. Have umbrella/home/auto (2 cars, 2 drivers) with Farmers. My son is 22 and has an accident on his record from 2.5 years ago. He has his own car titled in his name. His car is insured on my policy. What would you do to lower the umbrella insurance cost? I am really struggling here. If he gets his own car insurance, can I be sued for an accident he causes since he is a dependent on my taxes? Thank you for any ideas.

I'm 41 and live in New Jersey. I work for a non-profit and make around $35k per year. A few months ago, I saw my GP for a regular check-up and mentioned that, in my job, people often speak confidentially, whisper, or are just low talkers, and I sometimes have trouble understanding them when it seems like there is an expectation that I should not, which can get frustrating. I said that I have not had my hearing tested since I was in grade school like 25 years ago and asked whether that's something that should be checked from time to time. She said sure and wrote me a referral to get a hearing test. So I went to the website for my insurance (Horizon, aka Blue Cross Blue Shield) to search for providers and easily found an audiology office that's tier-1 in my network a few blocks away. I called them, explained that I hadn't had my hearing checked in decades and was looking for a regular test with my doctor's referral, and gave them my insurance information so they could verify that they're in my network. I went for the test, which didn't really tell me much, and later I received the finalized claim notification and was surprised to see that I owe $1,041.85. I argued with the billing department, and then I argued with the insurance company. There are two different issues here, I've been told. First, insurance explained that the medical coding was for a diagnostic hearing test rather than a routine (annual) hearing test. (Obviously, no one ever gave me an option for which type of test I wanted to receive.) An insurance representative talked to the billing department while I was on the phone and was unable to convince them to change their coding; they insisted that they had coded it correctly and that it would be illegal to change it. Insurance doesn't consider it preventive care if it's a diagnostic test, even though their Preventive Health Guidelines document mentions "Doctor will ask about hearing difficulties and refer for further diagnosis" under "Other Recommended Screenings/Tests." When I escalated and spoke with a different insurance representative, she figured out the other issue, which became the main focus: I was billed as a hospital outpatient, not as a visitor to a specialist office. She was not able to change that by working with the billing department and filed an appeal internally with the insurance company on my behalf. About a month later, just the other day, I received a denial of the appeal in the mail. I can still file my own appeal, but I'm not sure how to get a different result. In the meantime, my "payment is overdue," and I'm worried about it going to collections and affecting my credit. The billing department isn't doing anything to hold the timeline even though I've told them repeatedly that I'm arguing with insurance about the bill and had them note it on my file. If I gave the audiology office my insurance up-front, didn't they have an obligation to inform me that the service wouldn't be covered? If I found the provider through my insurance website as in-network, didn't they have an obligation to inform me that the office was considered hospital outpatient and not a specialist practitioner? I should note that I live right by a hospital in a major healthcare city, and many of the facilities throughout the city are under their umbrella. My GP's office is also part of the hospital system. Their name is on the door. I use the same patient portal for my doctor visits as I got this bill through. So why, when my GP is a regular office visit, would this audiology office bill me as a hospital outpatient? I've had health insurance for almost 17 years through my job but only recently started exercising it at all. It's absolutely insane to me that I can be billed an amount like this without anyone letting me know up front that I'm agreeing to pay for a costly service rather than just a co-pay. I'm dealing with some dental stuff right now that's not covered by my plan, and the dentist's office has been extremely clear and forthcoming about costs months in advance. In contrast, this hearing test bill feels like a scam. Does anyone have any recommendations for what I can do from here? Also, does the No Surprises Act help me with this at all?

Hi all, Unfortunately, someone (without insurance) hit my parked car earlier this month. I have their information and going through a claim now with progressive to get my car fixed. I assumed even though I was not at fault that my insurance would go up, but I just paid in full in June for the next 6 months and progressive just sent me a bill for $250 due in August? This seems a little crazy! I didn't think it would go up that much, nor did I think I would already have to pay a premium, thought this would be at renewal. Please let me know what I should do. Thanks!