So I've had my own insurance (Medicaid, Ohio) since July 2024 but doctors keep charging my parents' insurance (UMR) even though I'm not a member anymore. I should have been calling and having them reprocess all the claims as they came in. But instead, my parents, who recieve the Explanation of Benefits letters, let them stack up and handed me a grocery bag of over 50 of them today. I have no idea what I owe, how to find out, who to call, etc. and they dont care. If what the letters explain is truly what's in the bills (that I don't have), I suddenly owe over $20k in medical bills which I literally live paycheck to paycheck so I don't know what to do about. What in the world do I do?

The facts: I am a RENTER I Rented a unit in Chicago that is a fully furnished basement “garden level” unit Lease Term: 2 Months Fully Furnished Unit Day of Loss: July 7th 9 to 12pm Insurance: Assurant What the Insurance has stated: Please refer to your policy language: SECTION I – EXCLUSIONS Water Damage, meaning: a. Flood, including but not limited to flash flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge; As far as you loss of use per your policy language: If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover the Additional Living Expense. At this time the preliminary findings for the cause of loss is not a covered peril. I will further investigate claim and follow up w/ you regarding the status. I also left a voice message on your voice mail. I read all of this - The Owner of the property that I am renting from said that the Plumbers Official Report was that the water was sewage water and it came from the toilets. For context the water rushing into my place was what woke me up and I woke up in a panic to put all belongings on spaces that are high enough for them not to be damaged. The unit has been deemed uninhabitable by the Owners insurance and I do not have a home at the moment. AS of today my hotel stay has ended and I am down about 2k for trying to staying here. Any help would be greatly appreciated as I do not want to be homeless in less than 24 hours.

My homeowners insurance company called me and told me I need to replace my roof and get rid of the t-lock shingles or they will drop me. Is it right for them to do that? The roof is in good condition doesn’t leak or anything. They are basically forcing me to get a good roof redone. Is there something I can do to have them help pay to where I’m not replacing on my own?

Location: Georgia, USA Hello everyone- My brother was in a motorcycle accident April 6, 2024. He was in ICU for a month and discharged in July, 2024. During that time he did not have his phone, access to email, or ability to check standard mail. My brother was a PE Teacher and football coach in the state of Georgia for 27 years. All of his insurance premiums were paid for once a month in his paycheck. The state of Georgia agreed to early retirement with benefits beginning July 2024. Blue Cross informed him last month they were dropping his insurance for delinquent payments. His appeal was denied. My brother is looking into COBRA as well as ACA. Does my brother have a case agains Blue Cross? What steps should he take to have Blue Cross reinstate him? Thanks!

Ok so this is totally my fault for not reading the policy documents, but the Trupanion deductibles are PER CONDITION, not annual. This means every time your puppy visits for a new condition, the $500 restarts. The idea is that once the deductible for a condition is met, your pet is covered for life for that condition without having to meet deductibles again. Our puppy had splinters stuck in his tonsils and had to be sedated to have them removed. The total bill was $750, and between "examination fees" and the new $500 deductible (we have already submitted claims for other things), nothing was covered. Here is the kicker, they not only didn't cover the examination/consultation fee, they also denied the "esophageal examination" which was the procedure to pull splinters out because of the word "examination". Here is ANOTHER kicker, if something gets stuck in his throat again, it would be considered a separate incidence, so the $500 will restart again! If your puppy gets giardia, it clears up, and he gets it again in 3 months, guess what, the $500 restarts! I can see that this would be a good policy for older pets with chronic conditions, so you don't need to meet deductibles every year, but for a healthy puppy who gets into accidents from time to time, every incidence is considered separately, so mostly likely much of your expense will not be covered! I'm switching back to another insurance that my 5 year old girl is on. I wanted to try Trupanion because I kept seeing ads for it, but now I'm going to switch both of my pups to be with the same company while my puppy is still young before "pre-existing conditions" develop.

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

Navy federal stated the card info was put in inaccurately but I confirmed it 3 times. Anyone ever been through this ? Do I really have to wait for a check in the mail now or can I just retry it after they open tomorrow?

My wife and I have car insurance through Progressive. We moved to CO 6 months ago and are paying ~$475 for 2 cars for the first 6 months. However, our premium went up to ~$625 for the next 6 month payment, and that’s after the lump sum payment discount. No clue why it raised in price because we haven’t gotten any tickets or been in any accidents and I haven’t modified the coverage at all. We did Snapshot and it says we’re going to be saving another $55 by continuing with snapshot, so I can’t imagine our driving patterns have increased our premium by $150. Online, it doesn’t say why it’s increasing. How can I reduce my premium without changing coverage? When I call and ask why my premium went up, will threatening to leave for another insurance provider force their hand to give me a lower rate? If so, what information should I come prepared with?

I have Medi-Cal currently. I just got hired at a job that would make me ineligible for it. I tried cancelling my Medi-Cal but they're asking for proof of salary or something of the sorts. I still have not gotten paid but I will be paid biweekly and I have 30 days to enroll myself into the work benefits. If I submit the proof, am I still able to enroll into HSA from my job and not get into any trouble? Not sure at what point they will kick me off of the MediCal benefits after I send them an employment letter or whatever proof they want to see.