Hey everyone! HOME HEALTH NURSES/WORKERS INPUT NEEDED So I haven’t been offered the job yet but I have a second round (!!!) interview on Monday :) this job requires a lot of driving, with mileage reimbursement. They said I would sometimes have to drive patients to and from doctors appointments and/or school (I’m a nurse, I would be a field case manager) and I’m just curious if any of you have been in this scenario. For car insurance do/did you apply for ride share option just in case? I am debating switching ins. companies anywho, my quote from Progressive is really high.. apparently in my state (NJ) they hiked it up just in general and a few months ago I got into an accident that I’m 100% not at fault for.

Location: New York State I recently moved and set up auto deliveries with Amerigas, mistakenly assuming auto payments were set up as well. On the morning of March 25th, I discovered my propane service had been cut off without any prior communication or notice, leaving my home cold and smelling of propane. I immediately paid my invoice in full upon realizing the mistake. However, when contacting Amerigas, they stated they couldn't restore service within a reasonable timeframe (2-6 days) and refused to allow another company to fill the tank, which I believe violates the Propane Consumer's Bill of Rights. Additionally, they indicated I couldn't purchase the tank, contrary to my Residential Customer Agreement, and didn't provide the Propane Consumer's Bill of Rights in our contract, which is another violation. They also mentioned no notice was needed before service disconnection, which I understand contradicts New York State Heating Fuel Customer Rights. I have been a customer for six months with no prior issues. What legal options do I have regarding these breaches?

Not sure if I tagged this right, but basically I was covered by a MA ConnectorCare (CC) plan until January 31st of this year, and now I am covered by my employer's BCBS plan as of February 1st. I received my first Gardasil shot on January 31st, the last day my CC plan was active, but my doctor billed BCBS (I added it for my second shot on Feb 28th) and now I'm getting a $700 bill for the office visit and the shot because that coverage wasn't active yet. Is it possible to tell their billing department they need to retroactively bill the CC plan as that's what I was covered by on the date of service? I actually work at the office where I got my shots, and I have a pretty good idea of what my plan will cover with or without a copay, and this is not correct.

Last June, I went to urgent care because I was leaving for a vacation out of the country the next day and started feeling sick. I couldn’t get into my primary doctor before leaving and just wanted a steroid shot or antibiotics to avoid being miserable during my trip. I went to an urgent care near my job, knowing it would be more expensive than my normal copay. I usually pay a $25 copay at my primary doctor, but urgent care costs $50. When I arrived and checked in, the receptionist asked for my insurance cards, which I provided. I’m double insured, as I’m still on my parents' insurance, but I use my insurance as primary and my parents’ as secondary. I’ve never had any issues with this setup and typically don’t have medical bills because of it. The receptionist asked if another name (I assumed it was another patient) was on my insurance policy. I confirmed that I’m the only one on my insurance policy and explained that my parents’ insurance is secondary. Both of my insurances are Blue Cross Blue Shield, though I’m not sure if that matters. The receptionist seemed confused but said, "Okay, it’s going to be expensive, but your copay is $50." I agreed, since I felt awful, and paid with my HSA card. I was only tested for strep and flu (both negative) and was diagnosed with a sinus infection, for which I received a steroid shot. Fast forward to my trip abroad, where I had to visit a doctor at my resort, pay $500, and was diagnosed with bronchitis and the flu. Last week, I received a call from a collections service saying I owed $244 for my urgent care visit. I asked how that could be possible since I was double insured, but they couldn’t answer. I called the urgent care, and they directed me to their billing number. After waiting for an hour and a half on hold, I was told I owed the amount. I asked again why, given my double insurance, and they said they only had my parents' insurance on file, and that their insurance had denied the claim. I asked why it was denied, explaining that my primary insurance at the time was through my job and my parents’ was secondary. They asked to put me on hold to investigate, but the call was dropped. I called back and was on hold for 45 minutes. I then received a call from an unfamiliar number, and the voicemail said the call had been disconnected and to call back to resolve the issue. I called back and reached a different urgent care I’d never heard of. I asked for the person who left the voicemail, and they said they didn’t know anyone by that name. I explained the situation, and the person said they had been receiving similar calls from others and advised me to be careful with the information I shared, as they were unsure if their office number had been linked with spam. I then went to the original urgent care, which is 10 minutes from my job, and asked for clarification. They explained that my primary insurance was never added to my account, but when I went in for clarification, they added it to my file. Since their billing has been outsourced to a third-party company, they can no longer access statements or accept payments. They directed me to that number but said they would speak to their manager and call me back since they’ve received multiple complaints since moving to this company. I’m unsure what to do now, as the urgent care never billed my insurance correctly, and the bill has now gone to collections. Any advice on how to proceed?

Hello everyone who sees this post. I’m a first time mom dog and need advice on some wellness plans for my 1 month old Labrador Retriever. I’ve done a lot of research on different wellness plans and pet insurance but feel so overwhelmed. I also don’t want to pick any wellness plans as I want to make sure I’m getting my moneys worth and the appropriate care for my puppy. I’ve only had him for 5 days so far and would give my life for him. I recently went to visit Banfield hospital that was inside of PetSmart at midtown crossing shopping center. The visit was free because my puppy was a new patient. I got him his first dosage of dewormer. The customer service was great and they were very attentive with my puppy. I arrived late to my appointment but they still saw him. I’ve read some reviews and other Reddit post about Banfield and they have been not so great. So I just want to get advice on whether or not the wellness early care plus plan is good for the first year of my puppy’s life and ONLY for the first year. It includes: -introductory comprehensive physical exam -graduation comprehensive physical exam -routinely recommended vaccinations -ear swab to help catch signs of parasites and disease (1x a year) -screening test for heartworm and tick-borne diseases -WISDOM PANEL health DNA test to screen for genetic diseases -fecal exam (3x a year) and routine deworming (4x a year) -virtual visits (2x a year) -pet wellness 1-1 session -unlimited office visits -neuter surgery, including preanesthetic blood testing with electrolyte panel and monitoring throughout the procedure and recovery This will be $78/monthly. Coming out to $936 for the year. Of course, for additional recommended vaccines and additional charges for medication and extra procedures not covered by the plan, I’m willing to pay out of pocket. I’ll be sure to get my puppy pet insurance as well but still looking. So far I’ve seen Spot, Figo (since I have a Costco membership), and lemonade. For now I’m thinking setting the coverage plan at its lowest so I pay no more than $20 a month. I know how it sounds, but I don’t want to pay so much for pet insurance right now as he’s still small. Once I see that he’s growing and being more of a menace, then I’ll change his plan to cover more so I won’t have to worry about paying so much out of pocket. What do you guys think about this? I need all the advice I can get on the Banfield plan and my idea on the pet insurance thing. Asking for all advice. Thank you for taking the time to read and respond to me. You don’t know how much I appreciate it.

I have a Chase credit card that I rarely use. The account is set to auto-pay and usually, the only charge each month is a single subscription for which that card is set up as the payment method. I recently logged into my Chase account and noticed that I am being, and have been for years, charged $16.99 a month for an HBO Max account. This totals in the ballpark of $1,000. Here's a brief summary of what's happened so far. **Background:** * I had been subscribed to HBO Max years ago, but I was pretty certain I had canceled that subscription around 2020 * Still not wanting an HBO Max subscription, I logged onto my account with the intention of canceling it * As I had originally expected, my account did not have an active subscription * I then attempted to log in with all other email addresses I have, but none of them were associated with HBO accounts **What I've tried:** I contacted HBO support who attempted to locate the account. I shared: * All known email addresses * The account information of the card being charged * CC statements showing the charge on my account HBO support was unable to locate any active account associated with that payment information and then basically washed their hands of the matter. They instructed me to dispute the charge with my financial institution and have not given any guidance on how to move forward with HBO. This doesn't feel right. Given the fact that they can't locate the account, it seems to me that they have been erroneously charging me for an account I don't have for years. I would certainly like that money returned to me, and it doesn't feel like my financial institution should be responsible for this. Granted I should have paid closer attention to my financial accounts, but I was being charged for a service that I didn't purchase and that was never provided. **My question:** What course of action would give me the best chance of getting all, or at least some, of my money back? Should I pursue this with HBO further, file with a consumer protection agency, or just dispute with Chase?

I'm honestly at my breaking point dealing with BCBSNC. I’ve had multiple claims denied that should be routine — and I’m exhausted from trying to get clear answers. Recently, I had in-network bloodwork done that was ordered by my doctor. BCBS denied the entire claim — not even applied to my deductible — and there was no EOB at first. The exact same tests were processed last year with no issue. In Dec. I had a bad sinus infection, I went to urgent care, and even though the provider billed it correctly as urgent care (POS 20), BCBS processed it as outpatient hospital and denied the appeal. Last year, I also got stuck with a $1,300 bill after seeing a cardiologist who ordered a stress test at a local hospital. That claim was denied too, because they classified it as an outpatient hospital visit — even though it was a specialty care appointment. I’ve submitted appeals, contacted billing departments, and chased down paperwork, and BCBS just keeps giving vague, inconsistent responses. I haven’t contacted HR yet, but I’m seriously considering it, along with a complaint to the Department of Insurance. I’m using in-network care and following the rules. I just don’t know what else to do at this point. Has anyone else dealt with this kind of mess?

So I recently opened a new policy with GEICO for my car. A few days after opening the policy(march 2025), they added a driver without contacting me or giving me any notification. That alone increased my premium $450. The driver that was added is my GF that doesn’t live in my household or is licensed to drive(never got a DL). They claim I added her in a quote but i didn’t quote with them since ~Nov-Dec 2024(she visited during this time and left in Jan)I know you’re supposed to include any person in the household in a policy due to liability but I’m currently living alone. GEICO also claimed that they use “DMV records” to add drivers to policy on behalf of the customers if we didn’t do it already. That couldn’t be the case since my GF had no affiliation with the DMV in my state. Any advice on this matter would be appreciated

We got pets best insurance a few years ago and this year our 9 year old dog was diagnosed with lymphoma. After a few months of receiving expected claims, they suddenly started denying everything, forcing us to appeal every time. After appeals, they usually end up paying, but it’s incredibly annoying. But this month, our policy renewal came and they DOUBLED our premium!! DOUBLED, in the first and only year where we actually made claims…. How is this legal? They say it’s across all their plans, but I don’t believe it for a second. Anyone have this happen?

I had a fsa in 2024.. before the plan expired I submitted two big expenses that were “authorized”.. however, money never got deposited to my account. Now they are saying the claim was valid but the amount was paid toward “unverified” receipts. Now that the plan year is closed they are refusing for me to submit receipts. The claims that were “unverified” were hospitals and doctors. Is this normal? Anything I can do? This is over $1200 in lost money