I am in the habit of constantly asking clarifying questions and I ask the same ones over and over again to different people (I call frequently) and I get different answers all the time. I never truly know what's covered or how much it's going to cost. It's so much BS. The medical facilities give me more accurate information than Priority Health does. 3 Priority Health people have told me my son receives unlimited therapy visits because of his diagnosis, but I know that's not true, and I've had only 2 people tell me the correct number of visits he gets for his diagnosis. The pediatric office even knew the correct answer. How is this legal for them to be so wrong all the time? Ughhhhh

Here's the situation: **The unit below me reported ongoing water damage on their ceiling/wall.** The building paid a plumber to do an investigation. After many hours, they were able to determine there was water coming from my toilet. I brought in my own plumber and he figured out there was a leak inside the wall where the toilet connects to the pipe (its a wall mount toilet and the gasket wasn't forming a tight seal with the pipe). This toilet pre-dates my ownership, if that matters. I had him fix it and paid him. Obviously the apartment below has repair costs. I immediately engaged a claim with my homeowner policy provider (Travellers), sent them the plumbers reports (both mine and the building), the by-laws of the building, and put my insurance in touch with the owners of the below unit. Fast forward, after some research, **my claim person says 'I'm not liable because there was no way for me to know about the leak, so the owners of the below unit should file with their insurance'** It is true there was no visible leak or damage in my apartment. Now the unit below me sent me an estimate from their contractor and says 'As you’ll see, they have denied the claim, stating there was “no evidence of neglect” on your part. **Given the damages I sustained, I need to understand how you intend to address this situation and take responsibility for the repairs.**' It's not clear if they've filed with their insurance. The husband and wife don't always seem to be on the same page. They are claiming repairs cost $30,000! I don't know how much of this is really related to the damage, as they are also in the midst of a major reno and might be using this to pay for some of that on the sly. I don't have a relationship with them. To clarify the leak was a long slow drip, which only occurred when the toilet flushed, which is why it took so long for the building plumbers to track down. Regardless, it seems weird to me that the insurance judges I'm not liable, just because I couldn't know about the problem. Especially since the policy seems to explicitly cover damage from water seepage where the insured is unaware because its hidden in a wall (in the DOES NOT COVER section for liability it says: CONTINUOUS OR REPEATED SEEPAGE OR LEAKAGE OF WATER OR STEAM OVER A PERIOD OF TIME, WEEKS, MONTHS, OR YEARS, FROM WITHIN A PLUMBING, DRAINAGE, HEATING, AIR CONDITIONING,SYSTEM OR AUTOMATIC FIRE PROTECTIVE SPRINKLER SYSTEM OR FROM WITHIN A HOUSEHOLD APPLIANCE **UNLESS SUCH SEEPAGE OR LEAKAGE OF WATER OR STEAM AND THE RESULTING DAMAGE ARE UNKNOWN TO ALL insureds AND ARE HIDDEN WITHIN THE WALLS OR CEILINGS OR BENEATH THE FLOORS OR ABOVE THE CEILINGS OF A STRUCTURE**). **Right now I'm waiting for response from my insurer and also the apartment below** (to see if they have filed with their insurer and if that insurer is in contact with mine). Up until now my interactions on this issue with the apartment below have been pretty even tempered, but their latest email feels like they are escalating and I'm concerned I might even need a lawyer (I live in NYC btw). (added highlights to help with TLDR)

Hey so I buy my own medical, dental, and vision insurance from Anthem rather than going through my employer. For the 2nd time, Anthem has decided to drop my medical coverage without telling me. The last time this happened, I had to get on the phone for 1 1/2 hours with them and they still couldn't identify why they dropped it. Instead they gave me some bullshit reason - "our records say you already had an active plan so we dropped this one". I don't have any other active plans. I'm 100% sure of this. I had to go through the re-application process again in December and purchase new medical coverage. Fortunately, I'm young and healthy so this isn't hard to do but it's deeply frustrating and I had to push my yearly physical forward because of it. Fast forward to now (April), I log into the Anthem portal and I see medical coverage is dropped again as of March 1st. Vision and Dental are still active but Medical is inactive. I tried calling them today (Sunday) but of course they only work M-F 8am - 5pm. The frontline phone operators are useless. ChatGPT does a better job than them. Has anyone else had this experience? What was the resolution? What can I do to prevent this moving forward?

My mom’s home insurance policy looked high so I called the insurance company and asked them to walk me through it. Without changing any of the coverage/details, they determined it was thousands higher than it should be and couldn’t explain why. When I asked about a refund they said they could refund a few hundred dollars (she overpaid by thousands for this year). The policy renews in October so I’m assuming this is a prorated amount, is this expected? Again, the coverage details did not change and they can’t explain why it’s that high. At the very least, shouldn’t she be refunded by how much she overpaid for this year? I need to dig through my parents’ paperwork but it looks like this has been happening for years.

\*EDIT: I've been corrected by a few people-- The person I was interacting with was probably a medical technician/phlebotomist, not a nurse. Sorry for the mix-up in the title. Hi all. I have a problem, and I'm not sure what to do. Earlier this week I (24F) went to a Labcorp office to get blood tests done in advance of my hematology appointment (this is something I have to do multiple times a year). When I got there and was checked in, the medical technician\* asked me if I was there on the orders of "Doctor Smith" (fake name). I told her that while Doctor Smith was one of my doctors, I was actually there at the request of my hematologist, "Doctor Johnson." The Labcorp worker told me that there was nothing from Doctor Johnson's office in the system, and the request from Doctor Smith was the only one she could see, so it HAD to be the right one. Since she was the expert, I assumed she was right and went along with it. Well, that was a bad move. Instead of giving me the tests I needed, the medical technician\* redid ten completely unrelated tests that I had already gotten done in August. Now I found out that they're planning to charge me $220 for the incorrect tests, plus I need to go back and have more blood drawn because I still haven't done any of the tests I need for my hematology appointment. Is there anything I can do to not pay this initial $220 bill? It really feels unfair to me, mostly because I already had to pay an identical bill back in August when I got these tests done the first time. I've already called the Labcorp, my insurance, and the hematologist's office, but all of them seem really unsure about the situation. Which one should I keep calling? For extra context... I live in Maryland and make roughly $65k a year. I'm on my dad's insurance.

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

I went to a urology visit at UIC in Chicago. The whole visit was around 10 minutes, no longer, since I was called in: blood pressure and oxigen check, a few questions about my health history and then came in the doctore that in two minutes, without even using special pieces of equipment, gave me the diagnosis. Only few weeks ago I recevied the bill and surprisingly I was billed twice: one bill for the doctor service and one for the use of the infastructure tislef. Basically the doctor just "rent" the room and equipment and provides the service. For the first bill, the total was covered by insurance excpet a small co-payment ($40), but the second one is covered only partly . It was $460 and after reductions, I have to pay out pocket, 250$. The code associated with this item is 99204: "New patient office or other outpatient visit, 45-59 minutes, Level 4" (https://www.ama-assn.org/practice-management/cpt/cpt-code-99204-new-patient-office-visit-45-59-minutes#:\~:text=Additional%20CPT%20resources-,CPT%C2%AE%20code%2099204%3A%20New%20patient%20office%20or,outpatient%20visit%2C%2045%2D59%20minutes) If you read thorugh the link above, this code should be applied when: "Office or other outpatient visit for the evaluation and management of a new patient, which requires a medically appropriate history and/or examination and moderate level of medical decision making. When using time for code selection, 45-59 minutes of total time is spent on the date of the encounter." Basically, none of these createria were met. Even if I descalate to Level 3, it still require 30-44 minutes and a thoroughly examination of past and current conditions. Now, what actions would you suggest me to do? Trying to reason with the hospital itslef or can BCBS help me with this matter? Fortunately, I can afford to pay this bill. But it is just frustating that it's literally a mafia, a scheme out there, and nobody does nothing. I can't imagine the people living paycheck by payecheck and being frauded by private health.

Bought my home back in 2018. My mortgage company chose Berkshire Hathaway and they paid them through my mortgage payments so I didn't pay BH direct. I got notice last week that my policy will be cancelled end of September. Do I need to shop insurance myself or is that up to my mortgage company since they have vested interest in my home? Can I tell my mortgage company what company and policy that I want?

Sorry this is a long story Late May 2024, my husband was rear-ended, his car totaled. We have full coverage, so we opened a claim with our insurance, the same evening as the accident. Police came to take report, which they found the other driver at fault. They included that my husband was injured but refused an ambulance. We went to urgent care the next morning and he was diagnosed with a concussion and told to not work or drive for a few days. The other driver claimed to have the same insurance company, but they were actually specifically written off the policy (some kid driving his dad's truck) so he's technically uninsured. We spoke to the insurance agent many times because we've never been in an accident and didn't know what to do or expect. We were compensated for the totaled car and mentioned we'd like pain & suffering to cover the missed days of work & such. And then we just left it alone, I assumed they would investigate and make an offer that would at least cover the missed work. After about 3 months, we got a notice that a new insurance agent was taking over. We explained that my husband had lingering brain fog from the concussion and had follow-ups with his doctor regarding it. Agent#2 sent an affidavit form to sign that we had no other insurance & medical release form for my husband to fill out. We had the paperwork signed & notarized, and both sent it by mail with the business return envelope given and uploaded it via a special link sent by the agent. Again, didn't hear anything for months. I wrote an email to ask if there would be a discussion about a settlement, again ghosted. Another few months pass and we've been transferred to a new agent. She wants to have a conversation, but at this point we're a bit fed up with all these conversations leading to nowhere. I asked if we could communicate by email so that there would be a record and heard nothing until today, when Agent#3 asked me to fill out the affidavit again. It's now been 9.5 months. I'm concerned about the length of time being taken to investigate my claim. I've answered every question I've been asked, signed every form. I've had 3 different agents. In each case when I ask about a settlement or offer, I get ghosted and then eventually passed along to the next person. I'm not quite sure what more is needed. I had many conversations with the first agent. Each time I emphasized, I'm new to being in a car accident, I don't know what's the norm, so now I'm beginning to feel like I'm being taken advantage of, like there is some bad faith going on with Progressive. I must say, I was pretty upset to see them ask for a form I've already sent months ago. Are we starting over again? I don't understand. I didn't get a personal injury attorney because this sub says you don't need one. What are we missing here?

Hi Few years ago I had Vodafone broadband which was absolute shite, i had numerous engineers out to try fix the issue but they didn't fix it so I decided to cancel the direct debit and go elsewhere. I've been paying the amount back to BPO on a payment plan which isn't long off done ive made my own payment notes as I don't trust these people. Today I've opened a letter from BPO who say Vodafone has passed them the debt and I need to contact them to make repayments, the amount is also higher to what I had left What annoys me I've been paying these clowns for over 11 months and after checking my standing orders it shows it's still set up and is being paid every month the reference number is the same on my standing order to what's on the letter today What do I do ignore them or email them ? Location: UK