Location: Michigan At a loss here. Just received a statement from my health care provider that BCBS denied my iron infusion from January and that I owe $11,000. I had iron deficient anemia during my pregnancy and iron pills didn’t do anything to raise my levels so my doctor ordered iron infusions. I didn’t think anything of it as during my first pregnancy in 2023, I also had iron deficient anemia and my iron infusions were covered by my insurance but it was through a different health care provider. BCBS is claiming that the treatment I received for iron deficient anemia isn’t covered. The procedure was coded as q0138. Do I appeal? Do I call my health care provider and see if they coded this wrong? Owing $11k for something that’s been covered before is stressing me out. I never would have agreed to iron infusions if I had known it would be denied. I cannot afford an $11k bill…

I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

My health insurance company won’t use the word “covered.” They only use the word “consider,” even when the category is “benefits and coverage.” One of their agents told me they can’t use the word “cover.” For example, in a recent communication they said, "Home health care must be approved in advance, (pre-authorization), and is limited to 90 visits per plan year. Once approved, services provided by an In-Network PPO provider will be considered at 100 percent of the allowable charge with no co-pay. “ This statement doesn’t make any sense. They said it has been “approved.” What is left to “consider?”

Hi everyone. I have a 6 year old terrier mix that's been insured with Fetch since I adopted him at 5 months old. He's had 4 claims all under $200 in all these years. 2 for ear issues, 1 for diarrhea and 1 for a scrape on his leg. No claims in the Iast two years. I started paying $35 / month and now they want to increase my premium from $71 to $117 which is absolutely crazy! I currently have no annual limit with a 90% coverage and $250 deductible. I have no problem bringing down the annual limit to 20-25k, 80% coverage and a higher deductible to decrease my rate but my concern is if he's only 6 right now and Fetch is jacking up prices like this, even if I reduce coverage I'm afraid I'll end up with a crazy premium in just a couple of years! Also, I had another dog insured by them and we spent 25k with her last year. She unfortunately passed away but now I wonder if that is playing a role with how much they are increasing my terrier mix rate since they were both under the same account (I read someone here in Reddit had something like this happening with Fetch). I'd love to hear experiences of people switching insurance specially in regards to coverage of pre existing conditions and also, if anyone has recommendations of other insurance companies I'd love to hear your experience too (especially in regards to rate increases and claims). Thank you!

I got an email for my claim today saying my cat showed signs for diabetes at her exam in sept (I posted a pic of the exam notes on left and the email from embrace today on right). I don’t see anywhere it says she had diabetes. She was throwing up, but vet never said she showed signs of diabetes. My cat became diabetic late Jan, early Feb and is already in remission. Should I fight this (get a note from the vet)? Has anyone heard of successful stories?

adjuster trying to say a hail storm a week after wind storm (prior hail was photographed 3 weeks ago) would require a double deductible. is this common practice with state farm trying to get out of paying even half of what it costs for a new roof

Got the new 2025 Auto Insurance invoice from Erie Insurance. The only thing I can figure is one of my adult sons hit an unknown object lying in the middle of the turnpike late at night that resulted in some damage to one of our cars. It wasn't anyone's fault and Erie ended up paying out about $3,500 for repairs. But I don't think that justifies such a huge rate increase for each vehicle!!! **Anyone else get huge price jumps from Erie Insurance?** \_\_\_\_\_\_\_\_\_2013 Accord| 2010 LaCrosse| 2013 Sienna| 2021 Accord| 2017 Accord| 2024 Cost|        $ 436.00|        $ 207.00|        $ 326.00|        $ 368.00|        $ 371.00| 2025 Cost|        $ 634.00|        $ 337.00|        $ 733.00|        $ 699.00|        $ 596.00| % Increase\_\_\_\_\_\_+45%\_\_\_\_\_\_\_\_\_+63%\_\_\_\_\_\_\_\_+125%\_\_\_\_\_\_\_\_+90%\_\_\_\_\_\_\_\_+61%

Has anybody been able to buy one or get a quote. I am trying and while insurance companies website mention they exist - I am not able to get a quote and the call center agents are equally clueless. Edit - Geico Licensed Insurance Agent said that they are not issuing any NNO (Named Non Owner) Policy currently. So lets see how easy it is to get one.

Location: New York I am trying to navigate the ongoing challenges in the hardship surrender of a life insurance annuity (qualified) I inherited from my father when he passed in NOV 2013. He was 82 years old when he passed and was already taking disbursements (Metlife at that time). In early 2014, I truly thought that I had requested a full pay-out on the life insurance; however, Metlife then informed me that I had already annuitized the policy (?), and it was documented on my 2014 annual FMV notice from Metlife that there was "no servicing agent on record". At that time, I did not get too upset about the mix-up because my family was doing fine financially, then. However, I am now 61 and my wife is 62; and now our financial situation has turned dire, as last year we already liquidated the other inherited life insurance annuity from Security Benefit which was super easy and paid-out within days. The reason for this eminent need is that my wife lost her job in March 2024 and she has been unsuccessful in finding a new role in this unsure job market (>500 job applications), and her NY unemployment insurance was exhausted long ago. We also have three sons, with two currently being in college in which one of them has autism in which I have dedicated my life, acting as his personal attendant of sorts to assist his K-12 education. His disability application for SSDI is still in the appeal process with the SSA, so we have paid for his first year of community college, with a great deal of assistance from me. Unfortunately, after several documented/recorded calls with Brighthouse, they have failed to provide me with a copy of my original contract, or the ability to even open an on-line account. Whenever I call them, I am not even treated as a real Brighthouse customer as my annuity contract is immortalized allowing me no visibility of my account, and I am informed that I will not be able to withdrawal the money until age 73. After 11 years, the annuity is only worth \~$28,000 (started out at $37,000 in 2013). It's not a lot of money to most people, but it could save my family at this point! I would be so grateful if the legal expert in this community could help me navigate down the correct paths to possibly resolve this solution as we really can't afford a financial planner or attorney at this time. I'm not even sure that I'm using the correct surrender request form (EF-70N-DXC 10/23) because I never get a response from Brighthouse, and I am very gracious in my communications with them.

Idk but this happened nung January pa this year, but I have come to notice that yung mga agents nila sa malls (esp sa SM) are not working professionally. I get that gusto nila makabenta pero di naman tama yung 'tactics' nila. Kaya napagkakamalan silang scam eh. Well my personal experience, would say parang na scam nako. May babaeng lumapit claiming na may ibibigay daw silang prize if sasali ako sa "raffle" kuno nila, makikipag usap tapos pupuriin pa then the next thing I know is papuntahin ako sa office since kukunin ko daw yung prize without knowing na dito na mag sisimula yung kalbaryo ko. May FA na kumausap, mag bibigay ng advise or whatever. Ako naman, I thought nag mamarket lang, umabot kami ng 45 minutes don then yun na pala, ipa aavail na ng policy nila. I declined first, sabi ko "your agent said na di kayohihingi ng kahit anong money or what, so bakit kailangan kong bumili ng policy niyo?" Nagalit pa yung FA, inulit yung mga sinabi kanina. Ang ending napabayad ako ng about 9k good for three months na yun. Nakakbweset lang kasi bakit kailangan mang linlang, and bakit may pamwersa sa mga tao kung tatanggi. If you're a professional, you would not get mad at someone saying "AYOKO", and in the first place dapat di na kayo nag sinungaling na wala kaming babayarang kahit na ano. - just a rant lang, nag lapse na yung policy ko since di ko na tinuloy yung pag hulog, sana napakain nila mga pamilya nila sa 9k na kinuha nila.