This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

The main pipe in my apartment building was backed up, causing some flooding in my unit (living room, kitchen, laundry room, bathroom, bedroom closet). The only thing that got completely ruined was my living room rug, so I tried to use my renters insurance to see if I could get some compensation for that, but they said something about not covering damages that don’t meet my deductible ($250). Some other things got wet due to the flood (some of my shoes, some clothes I had on the ground) but generally dried up decently the next day. They told me to call back if I saw there were other things that were damaged, but i’m not sure what falls under that label. Is it only things that are completely unsalvageable?

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.

Hi I got nexplanon and was billed by planned parenthood for $400, my insurance Community Health Plan of Washington states it covers birth control, but I’m getting charged $400 for the insertion? Is this correct or should I be completely covered by my insurance?

Hopefully this is the right place to post. Did AHCCCS get harder to qualify for in terms of paperwork or proof requirements? When I applied in 2021 I just sent in bank statements. Now they want 7 different pieces of evidence to prove self employment for my wife. She makes like $5k per year and is thinking about not working all together to qualify. When we called to ask them about not working, they said we’d have to prove that too… WTH ! Thanks,

Age: 37 State: Ohio In December of last year, I was recommended to get a colonoscopy due to family history. When I spoke with the specialist doctor, he said that "since you'll be under (anesthetics), we could also do an EGD." He then asked if I ever get heartburn, and I said sure but it was infrequent and I knew the triggers and how to take care of it, but if, like the colonoscopy, my insurance completely covered it and I wouldn't be paying, I'd be okay with that. He said sure, they could do that. Fast forward a month later and the hospital is charging me because they submitted the EGD as diagnostic. So the doctor ignored the condition under which I agreed to the procedure. I've been fighting this ever since then. The hospital investigated and since they don't keep audio with the cameras, and don't have call logs (the doctor's assistant called me a few days beforehand and said they convinced my insurance to cover the EGD, and I confirmed with her that I wouldn't have to pay for it), they're refusing to do anything about it. The bill is about $1,900. I've filed a complaint/appeal with my insurance, but that takes up to 60 days, and is still going through the process (I had called them the day before the procedure and confirmed it's "covered," and the CSR said yes, she sees that that's been approved). I e-mailed the state department of health, talked with the state hospital association (they have no legal authority and can't do anything), filed with the BBB, filed with the state attorney general, filed with the Centers for Medicare and Medicaid, sent my story to the local newspaper, left a Google review, and am waiting to hear back from the state insurance department (they can't do anything until my insurance appeal gets resolved). My last option is to sue them in small claims court. The lawyers in my area said they don't handle cases like mine. What umbrella term would this fall under? Misrepresentation / promissory estoppel? The only lawyer who agreed to a consultation said it's better to go after the insurance company, but I don't see this as their fault. I can also call the hospital and negotiate a lower repayment, but I'm angry I have to pay anything at all when a promise was made to me that I wouldn't owe anything. Is this something I just have to bite the bullet on? Edit: Thank you to the 20% of people who explained what the hospital staff should have explained to me, gave me options to pursue, and ideas on how to protect myself in the future. The rest of you, I hope you understand that the vast majority of people don't work in this industry, and blaming the victim of a convoluted and broken system is real shitty.

I just talked with Pets Best as I have a 30% increase in my premium for this next year (3 year old dog). They said they have changed underwriters and if I get a rewrite the new underwriter premiums are about the same price I have been paying (so 30% lower then the previous underwriter). I know all of the waiting periods would restart and no preexisting conditions (the only condition she has had they already denied saying it was preexisting (I had to switch after Many Pets stopped covering in my State)). Has anyone done this rewrite? Any one know if the new underwriter is better or worse vs the old?

I used to be insured by them and never had any accidents. I called roadside assistance once in 2022 because my tire had completely come off the wheel while my boyfriend was driving us back from the airport. Nothing happened, no crashes or collisions or injuries. We literally just pulled over and I wanted to see if someone could help us get another tire. I don’t recall what i said on the phone after explaining the situation but we didn’t end up getting help through my roadside assistance. Never heard a peep from geico about the incident. When they jacked up my rate almost 3x 2 year later and i asked why they didn’t have a reason, certainly not this “unreported accident,” but just said i was flagged as a high risk driver. I assumed at the time it was related to my drive easy habits. Now i am with progressive but was thinking of switching back. The quote i got was reasonable, and right before i could purchase they asked me about this unreported incident involving my boyfriend and whether he was driver on my policy when it happened. He recently signed up with geico but i’m not sure how they connected his name because i don’t think they even asked when I called roadside, and he definitely didn’t report it. I just find this very bizarre because they hadn’t asked me about this at all when I was under their insurance but now it’s being used as a reason to increase my policy quote.

The other day I was at a grocery store where I parked my car far away form the busy area purposefully with a Mustang. I was walking out, saw the accident happen live, and turns out the person messed up the front left side of my car. bumper also kinda came off. Some dent/paint damages. No tire damages. Nothing internally (hopefully). Still drivable. The car was parked, plenty of space in the park lane, and thankfully I was able to be there and watch it happen to stop the person, grab some pictures of their license plate, exchange contact, and even snap a picture of the person's insurance policy. Thinking back, I probably should have called the police and filed a police report, but immediately I filed an insurance claim with my insurance company, Progressive. Unfortunately, my policy doesn't have an uninsured motorist vehicle coverage for collision. On top, my deductible is pretty high. 2500. I had to learn a lot of these things and also like what a subrogation is, but that's basically what's happening right now because I sent my car to the shop and I tried getting in contact with the other party after I figured out i learned that their insurance policy has expired and seems like my agent as well tried contacting them with no response. I even tried contacting their policy with the expired information to see if there was anything active and it turns out there wasn't in their logs. And the insurance company basically just kind of hinted me to screw off after they realized that there was no other information available or logs on their end. So after speaking with my agent and I'm still waiting to get the final quote and stuff from the shop, I believe they're going to start a subrogation process. I have no idea if they have an active policy there or if they have something else. Now, with all this in mind, I'm not sure what to expect here. Unfortunately, I do have to put up the 2500 for the repairs. I think what's gonna happen is that they're gonna try to get my money back somehow, see if they have any active policies, and from what I've heard online is that this can take anywhere from a few weeks to months to maybe even years, I'm not sure. But from what I understand, is it right that there is no guarantee that I'll get my money back, especially if they were not insured? And if they were not insured, does that mean my insurance company is going to try to come after them In any way possible to get the money back? I'm just kind of concerned here because this is my first accident. it was kind of a BS since it wasn't my fault. Happened right in front of me and at the same time, I'm just not sure what to expect here.

Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )