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TriWest - ED out of pocket pay
Hello,
So last year I got bit by a stray dog and had to go get my rabies shot. I went to urgent care first where they told me to go to the ED (nonprofit) down the road to get the shots. I went to the ED, got the shots, and went on my merry way.
I got a bill yesterday for the shots where my insurance (TriWest as a dependent) paid for $25,000 of the $28,000 and the hospital left the $3,000 balance to me.
Is there any way I can find out if the hospital gives assistance? I’m a college student and I can’t afford such a high bill with every other bill I have so I just want to pick your brain on ways I could possibly reduce this. I am in Texas, and I currently have no income.
Thank you!
Geico - Can I switch car insurance companies after a month?
I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously).
Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker.
Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.
USAA - USAA car insurance problems
Basically was hit by one of their insurer. They never paid for an extension for the rental, I’m trying to get it to me but now my adjuster has been changed and never got back to me. Did a dismissed claim and it’s been 3 weeks now and I never got anything back.
For the rental, they’ve been trying to wire but never went through. Now the other adjuster has to call me and never has in 4 business days. Is USAA this terrible
Progressive - Progressive already has my wage verification, but keeps calling my employer for more information? I don't know why but it sounds sus.
My hip was broken in 3 spots after a pedestrian vs vehicle accident. I'm working with an attorney who has been talking with Progressive (the driver's insurance). They asked for information regarding my employment to verify wages. I have two jobs. 1 WFH, the other is more physical. I was able to return to the WFH job quickly thanks to a lot of pain meds. Anyway, my employer filled out the paperwork they needed, I sent it to my attorney who passed it over to Progressive. They still called my WFH job, needing to speak with my employer. Why? What more do they need to verify? Is this normal?
State Farm - Body shop overcharging, insurance doesn’t want to cover all of it? (Total loss)
Taken place in TX with State Farm. Got rear ended. Driver claimed liability. Car is a total loss. Body shop is asking for $2100 and insurance is only willing to cover $1400 and the rest out of pocket. I don’t want to pay out of pocket or through my car settlement, how can I get them to cover the whole amount? I had a rental car for a few days up until I was notified my car was a total loss and insurance doesn’t cover for it after that so I returned it. Am I also able to get reimbursed for transportation i.e rental car or uber?
Healthy Paws Pet Insurance - Healthy paws pet insurance
Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same?
#healthypawspetinsurance
Florida Healthy Kids - Florida Healthy Kids (Florida kid care)
I’ve been paying for this insurance for my daughter since November. She has simply healthcare under the Florida kid care plan, and I can not get the member ID or even log into the simply website.
FLhealthykids has been 0 help, how do I obtain this information? It’s crazy to me that it’s this hard to get. We never received a welcome letter/packet or anything :(
Geico - Can an auto policy change pricing after the policy start date?
I have three policies with Geico
auto policy in NY that renews on the 9th
auto in NJ that renews on the 10th
homeowner's that renews in 7 weeks
I get multi policy discounts for all of them. I want to move the NJ auto and homeowners policies to another carrier for better pricing. I'm looking to do it on the 10th after the NY policy takes effect. Once I do it the multi-policy discounts will go away.
will the NY policy go up in price after the renewal takes effect? I don't pay it and it's for family members who are also on it and it's a lot of money and I want to hold off the pricing complaints as long as I can
State Farm - Glass coverage in CA?
Got a crack on windshield recently and just found out there is no specific "Glass coverage" policy for me. What I'm trying to say is if I wanna use my insurance to replace the windshield then I need to use the main accident coverage or something to cover it and I have $1000 deductable since Safelite gives me a $1100 quote and if I use insurance it will make my rates higher in the future, so it's kinda worthless and means I have to pay the $1100 windshield by myself. I've heard some ppl have a specific glass coverage which means it will cover any glass replacement with 0 deductable and will not affect my rates.
So my question it's the CA thing or did I just pick the bad company? I have Statefarm for now since it's the "No.1" insurance company and I just don't wanna any trouble if one day I have some damage and need to claim. If it's the company, any recommendations? Ty.
Cigna Wellfleet Student - Confused and Worried About Insurance Coverage (Cigna Wellfleet Student, Rhode Island)
My husband has a herniated disc and possibly arthritis, and we’ve been putting off going to the doctor because we’re confused and stressed about what our insurance (Cigna Wellfleet Student) will actually cover. We’re in Rhode Island.
From what we can see, the MRI isn’t fully covered under our plan, and possibly other services aren’t either. A regular doctor visit would cost us about $50 out-of-pocket (not sure about the exact term), which isn’t awful, but feels kind of pointless if we can’t afford to get the necessary tests like MRIs anyway.
What’s really throwing us off is that a friend of ours, another student with the *same exact plan*, broke their foot, went to the ER, got an MRI and whatever else was needed, and only ended up paying $100 for the ER visit. That’s it.
We’re super confused. We’re also hesitant to call the insurance company because we’re scared they’ll be vague or misleading on purpose, or try to hide what’s actually covered to benefit themselves. We feel really stuck and just want to make the best decision for his health without going broke.
Has anyone had experience with Cigna Wellfleet Student plans, especially in RI? Any advice on how to navigate this or what we can do to get clearer answers?
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