Hi all, I have an employer health insurance plan through my union and apparently a few months ago they had to abruptly change their mental health portion of my insurance plan. I am trying to get a therapist but my therapist says my insurance is not accepted because I am a part of a health concept plan but my employer who handles my insurance says I am not apart of the plan anymore and that I have anthem PPO. I’m in a constant loop of insurance saying one thing and my provider saying the other. The Union who handles my insurance tells me to tell the provider to call them but my provider uses a system to verify coverage. I’m not sure who to call or how to get this resolved. When I called anthem they transferred me to my union. When I called the union they said anthem handles that portion of the plan. I think I’ve been passed along every department now. Any advice would help.

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

My senior kitty is 16. She is/was prone to UTI's, had 3 in 8 months last year, and Embrace will no longer cover anything related to her bladder. She's very healthy otherwise. The vet saw a bladder stone and she's been on Hill's Prescription food since June, with no incidents since then. I was reimbursed under the wellness portion and quickly used up the funds I had left after her checkup. Does anyone know of a plan with a high amount of wellness coverage and less amount of insurance coverage? Thanks in advance!

I got a MRI done two weeks ago. When I scheduled the appointment the staff told me they didn’t know the amount to be billed since my insurance is a high yield deductible and no copay. They mentioned that if I want to pay out of pocket without using my insurance it would be $500. Fast forward I received a processed claim from Aetna saying that I need to pay $920 and that the X-ray company billed them $1,200. Is there any way to reverse this? I feel scammed by both the X-ray company and Aetna. Can I fight back a processed claim?

I recently had a claim denied. For context, I lived in VA and had State Farm insurance for several years. Shortly before I moved out of state, my wife lost her engagement ring. I assumed that was just a total loss and didn't think anything else of it until I was setting up insurance in my new state, and they recommended that I talk to my old agent to see if it was covered. I then called my old agent's office in VA, and they told me that I should file a claim because that loss should be covered. Less than 24 hours later I get a call from the claims department saying that my policy does not cover lost jewelry unless it was stolen. To my understanding, having a denied claim can hurt me by causing future premiums to go up or making it more likely for me to be rejected for coverage outright. Is there anything that I can do to fix this given that the only reason that I even filed a claim to begin with was that they told me to do it?

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

Good morning, So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side? So I’m wondering what my options are? Thank you for listening!

My wife was in Seattle late last year and needed an ambulance ride to the hospital for an emergency. AMR, the provider is billing me $900+ for the amount that Aetna didn't cover at the in Network benefit. AMR shows as in network on Aetna but AMR is claiming they are out of network. Aetna says the tax identification number that AMR used is different than the in network number they have. Aetna said this in a message but doesn't seem to make sense: "If the provider bills you for an additional amount, please send a copy of this Explanation of Benefits and the bill from the provider." Anyone ever had an issue like this and who can I contact to resolve? Also we live in Illinois and get our insurance in Illinois.

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

Due to a pipe backing up, and magically fixing itself, our house flooded. We have been out of our house since the beginning of February. We have ASI thru progressive. Our insurance adjuster said he was going to pay the company directly for mitigation, and then send us a check so we could pay the company for restoration. We have been waiting for weeks on when and how much they are going to pay us. The only time I hear from our adjuster is when I call to let him know that our hotel stay needs to be extended. I’m trying to be patient, but I’ve been trying to reach out and can’t get in touch with him and his voicemail is full. We are living in a hotel with two dogs, and a cat. Our dogs are stressed, and ill, they have been to the vet for this. One is actually there now. We are eating fast food every night, and I just REALLY want to be home. I need to know how much they are paying so I know how much to pull out of our 401k to replace the deductible and appreciation (?), and this process takes time. I have tried to view the claim online and nothing comes up when I put in the information. What do I do from here? I want to be HOME. THANKS!