I asked the Doc to send a simple urine sample to Quest. My insurance covers 100% labs with Quest. Today I see on my Florida Blue Cross account they sent it to a different lab and my portion is $3170. What to do?

My company moved from Aetna to Cigna self-funded open access. Every month I submit claims for reimbursement with an out of network provider. The diagnostic codes never change but at least 2-3 a year, they play this game with me where they either lose the claim, claim is pending for weeks or the superbill is "missing" information even though its the same info every month with different dates. Of course, we all know they are just playing a game and trying to weasel out of paying me. Is there any where I can go to escalate these issues? My companies care advocate is useless but it feels like that is my only recourse.

Location: cook county, Illinois I was recently involved in a car accident. I was stopped at a stop sign, behind the white line and on my side of the road. I was waiting to turn left. Another driver who was driving on the perpendicular road ended up making a left hand turn on the road I was on. She ended up hitting me by driving head on into me. After she hit me I approached her vehicle and in a non aggressive way (however I was irritable) I asked why she hit me/ how she did not see me? She claimed she was distracted by her daughter and simply did not see me and hit me head on. She was very apologetic and admitted fault. I contacted non emergency police to come to the scene so we could exchange info. When police arrived they took our statements and the report states I was at the stop sign and driver admitted not seeing me and hitting me. The report also states I was not obstructing any road ways or her lane of travel. I figured this was pretty clear cut. However I recently found out through my insurance company that the other drivers insurance is now denying taking liability and claiming I am at fault because the driver is now reporting to her insurance company that I was in her lane and not giving her enough room to make the turn. Even though police report states the opposite and she admitted that she hit me to police because she didn’t see me. The police also stated in their report that she was at fault. The husband of the driver who was not present at the scene reached out to me via text the day after the accident to apologize for his wife hitting my car and requesting to fix my car by not going through insurance because he did not want his rates to go up. I did not respond to his text and simply just started the claim through my insurance. I am speculating this angered him and he is now encouraging his wife to change the story to now find me at fault. I obtained a copy of the police report and I am currently waiting on the body cam footage from the police that recorded our statements that night of the accent as proof that the other driver admitted fault to submit to my insurance since the claim is now in the arbitration process. I also sent screenshots of the text message the husband sent me as further proof as an admission of guilt to my insurance. I am curious, I know at this point the insurance companies are dueling this out and will present my proof to a third party and the decisions will eventually be made to determine who is at fault if I am understanding that correctly. But is there anything else that can be done? Can I go after the other driver for providing fraudulent information/ lying to her insurance? Or will that be determined in the arbitration process? Her insurance claimed they did a “careful investigation” and are denying my claim because they find me at fault. However it does not sound like her insurance obtained the police report so I am unclear as to how they performed a “careful investigation”. Lastly, is anyone able to provide any insight into the likelihood of me winning this arbitration case and if there is anything else I can/should do?

My mom was checking her and dad's bank statements and for some reason they're being charged by First Enroll but mom says that that isn't the insurance company they use. Any clue why this would be happening? Is some type of scam or fraud? Just so you know, I know almost nothing about how insurance works so sorry if I seem stupid.

Using a throw away account... I have Kaiser through work. Since I've been on my current plan for the past 3 months, Kaiser has terminated my insurance on the last day of the month. According to the payroll company (ADP), my benefits are valid and from what I can tell, dental and vision (not through Kaiser) are also valid. I don't understand why this keeps happening. The only thing I can think of is that it's a Northern California plan and I live in SoCal. I lived in SoCal when I selected my plan and was told it shouldn't be an issue, but now I'm questioning that. Last time it happened HR confirmed that it shouldn't again, but here we are. This is a tremendous hassle every time it happens since both my husband and myself need to have our SoCal and NorCal medical record numbers linked and then it takes several days before we can access anything on the website in our region.  Does anyone have insight into how or why this keeps happening? I'm at my wits end.

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

I enrolled my pup in Pet Best insurance last year, including the wellness coverage. I submitted a claim for a vaccination on April 19, along with the receipt and clinic record. It’s now been over two weeks, and the claim is still listed as "pending review" with no updates. I’m confused why it’s taking so long—wellness claims shouldn’t require checks for pre-existing conditions, and there’s no deductible involved. What exactly needs to be reviewed? Thankfully, it’s a small claim, but I can’t imagine the stress if it were a large expense. Has anyone else had a similar experience with Pet Best?

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

This company charged me $1800 for a full exclusion and didn't follow through on the work. They said they would hold my card on file then charged it without asking. The work was not completed and I cannot get a call back from Terminix despite multiple tries and paying for a year of full service. I am disputing the charge and I hope nobody else gets tricked into trusting them.

Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.