My parrot was diagnosed with avian chlamidiya at 2 months. He went through medication and was fine. I have nationwide insurance Nationwide says I cannot get that removed without another expensive chlamidiya test that won’t be covered. Recently I was very sick and while I was sick my bird got sick. I took him to the vet and they gave him different meds and said it’s most likely a respiratory infection, which is also what I had. They specifically put that it was a respiratory infection and not chlamidiya which a pretty serious infection. Nationwide marked it the same as chlamidiya and refused to cover it, said it was preexisting. There are a billion things that cause a respiratory infection in birds. It’s not fair that every single thing he can catch will be lumped in with a very serious condition that he had when he was 2 months. They told me I need the SOAP notes and a letter from the vet which I will be getting. But I will be looking for a different carrier for pet insurance because this is obscene and I already have a $250 deductible with this I wasn’t even getting anything back this was to just go onto the deductible!! I appreciate any help you all can help because I’m at my wits end here I’m going through way too much and I can’t take anymore

Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years. Edit: sorry 2019 Jeep Cherokee

I live in California covered by AAA. Last year, March 2024, I was in an accident. I was found to be at fault. At the time I was sent a letter from AAA telling me that the other driver, who is also covered by AAA, had hired an attorney and that they were asking me to disclose my insurance policy limits. I refused and just let AAA handle it. Just yesterday, over a year later, I recieved a letter from AAA saying that they have recieved a settlement demand for the full amount that my policy will pay out, for bodily injury, and that they are in the process of evaluating the demand. They must respond to the demand by April 24, 2025. They also informed me that should the other driver file a lawsuit against me, they will be providing me with an attorney. I'm currently unemployed and am FAR from being able to pay out should they decide to pursue a lawsuit. I tried calling my insurance adjuster this morning, but of course, they were out and I had to leave a voice mail. My anxiety is sky high waiting to see how this will all play out. Any advice from someone that has gone through something similar would be greatly appreciated.

I was rear-ended in late January by a driver insured by Maryland Auto Insurance. I filed a claim with my insurance company (Progressive) who deemed that the other party was liable for damages. I reached out to both the other insured and MD Auto Insurance, and was given the run around for over a month— with MD Auto Insurance saying that their insured had not been returning their calls and the other party stating that MD Auto Insurance was not answering their calls. Progressive got involved and tried to call MD Auto Insurance 2x after I basically begged them to, and they weren’t able to reach them and gave up. I consulted some lawyers online to see if I had a case, and they all recommended using my insurance (i.e. paying my $750 deductible for the damages, Progressive paying the rest and having Progressive attempt to get my money back through subrogation). I spoke with Progressive who said that not all subrogation attempts are successful, and that they most often aren’t… meaning that my desuctible would just be lost completely. I ended up going that route because the damage on my car was such an eye sore. I paid $750 and Progrssive ended up paying $761 (total cost of repair was ~$1,500. The repairs were completely last week. Today, I received an ~$1,800 check from MD Auto Insurance for the damages to my car. They did not call me at all to accept liability or tell me that they were mailing a check. So now, I have an $1,800 check to cover the damages though the car has already been fixed and I have paid my deductible. Should I tell Progressive about this check or should I just cash it without telling them? To be honest, Progressive really pissed me off when they wouldn’t assist me in talking to MD Auto… they called twice and gave up so easily while I called multiple times a day for weeks. I’m afraid however that in the subrogation process, MD Auto Insurance will tell Progressive and then MD Auto will adjust the amount (they estimated $1,800 in damages, but the repair was actually $1,500), and I will lost that extra $300. Other possibility is that the subrogation process will fail because MD Auto rarely answers the phone and has such a long and terrible phone system, and Progressive would close the case and I would be allowed to keep the money in total. What should I do? TLDR: I was rear ended, other party gave me the run around to avoid liability, my insurance paid (after I paid a $750 deductible), and I just received a check from the other parties insurance. Do I let my insurance know?

I was referred by my PCP to a physical therapist and was going regularly to appointments where I was only charged a $15 copay. However, after one of my appointments where my PT used a new technique (biofeedback training), my insurance is saying that service is denied and trying to charge me upwards of $400 for this one appointment. My insurance provider is United Healthcare. When I go to their website and try to "estimate cost" of this procedure (code #90912) it says that it should be covered by my $15 copay. However, when I called United to ask why it was denied, they said that there was a form called a PRA that they sent to my provider and it was not returned, so they didn't have enough information and denied it. I was told by the provider, my PT, that she never got this form and I also reached out to the billing department for the medical group, Sutter, to have them try and follow up with insurance or look into it, and was told that they would and I'd hear back within 30-45 days. Now my insurance is saying that, since they denied my first appeal, I only had so long to appeal that and the deadline is approaching. The "patient advocate" told me that either myself or the provider has to write a letter to United Healthcare Escalation center and ask for a secondary appeal, but was super vague on what exactly to say or write. I called back Sutter, since it had taken so long. They said they had 30-45 "business days" to review it, but they'd mark it as highest priority. I don't think I should wait for them, but am unsure what exactly I can say to get United to resend these forms that my provider says she never received. Any guidance?

Age: 40+ State: California Income: 0 (unemployed) tl;dr: I had some election snafu made by the COBRA management company where they just re-enrolled me in PPO which was $900/mo. I opted to go for a cheaper Kaiser option for $300/mo. Somehow I see when they fixed it, my PPO still shows covered and I have nothing regarding being enrolled in Kaiser... what should i do? Longer: So in my COBRA payment portal it shows I'm paying for Kaiser (cheaper) option and I have been paying for this coverage since the start of 2025. I haven't had to use it and I am just now needing to refill a prescription. Also, my old company switched up their insurance at the start of 2025, so even if I stayed on my PPO it would have changed providers. Anyways now that I need to refill a prescription I started looking through the docs I received and realized I never got any sort of Kaiser welcome packet but did receive a PPO insurance card, so I figured I would register on their site to see if it would let me. Surprisingly it did and the PPO shows I am covered. Now, normally I am one to do the right thing, but insurance is inherently evil... so part of me wants to go fill my RX using this PPO coverage and see what happens. Is this a bad idea? I definitely cant afford for them to go back and charge me an extra $600/mo. What do you all think?

Hi, I was at a red light this morning and a big truck behind me slammed the gas before the car in front of me started moving. They sped up driving by me right after pulled over. Total asshole. The police report is complete and there was a camera at the light and a witness called in. However, turns out the tag on the vehicle was out of date…I have never been in an accident before. I have usaa insurance and have a claim open but was curious what happens in this situation. Do I end up paying everything out of pocket? I was not at fault so it really sucks.

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

Can someone help me with Lemonade pet insurance? My pet policy is 80% reimbursement, $250 deductible, $10,000 annual. My dog went to the vet to get a mass checked out and got bloodwork done. My plan doesn't cover exams or bloodwork. Cytology was $185 and fine needle aspiration was $40. In this case, the eligible cost that would go towards the deductible is the cytology exam and fine needle aspiration, which adds up to $225. I was under the impression Lemonade paid out 80% AFTER the deductible is met. But Lemonade just got back to me, and it shows that they covered 80% of the $225, which is $180. Which means I still have to pay $70 until my deductible is met, instead of $25. I thought the 80% was only for reimbursement after the deductible, not 80% coverage of the deductible. Is this how all pet insurance work?

I recently had to cancel my insurance policy within 24 hours, and I was charged a $12 enrollment fee. Dianna, a manager from MetLife Pet Insurance, mentioned that while they will refund the premium, the $12 enrollment fee is non-refundable and isn’t included in the premium. Just a friendly heads-up for fellow pet owners!