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.

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

I had a liver transplant in 2023 at Mayo in Arizona. I live in Oklahoma. I have BCBS of Arkansas through Walmart, where my wife works. Regular lab draws are required and I have a DLO (Quest) and few minutes away from my home. I checked DLO's website which stated they accepted my plan. I got my labs drawn many times over the course of 6-7 months before receiving bills from the lab for the full amount, insurance was paying nothing. After contacting insurance, they said the particular location was not in network. No idea why one would be out of network but other locations of the same company are. However, after conferring with both BCBS and DLO, I was told that BCBS of Arizona is being billed because that's where the ordering provider is from. No one seems to be very helpful on either end as far as getting anything resolved, and there's nearly 20K worth of labs being denied. Does this seem accurate from both the insurance perspective of billing another state's plan as well as why they would deny one location but not another of the same company? Any suggestions on what I should do or how to handle? Thanks!

I was involved in a car accident. I called the local police after the accident who came and filed a police report. After waiting for the form to be validated I obtained a copy from the DMV and provided it to the insurance. The police issued the other driver a ticket for failure to yield as she was pulling out of her driveway on to the road. I was traveling on the road and was unable to stop or avoid her in time and hit her car in the road. I took pictures of the accident which shows my car pulled over on the road, debris in the road and her car pushed onto the shoulder. I assumed with the police report and my other evidence I would be successful in filing a claim against her insurance. The insurance company notified that they will not pay for repairs to my vehicle as the other drivers statement does not match mine or the police report. They stated she is working to amend the police report. I’ve never heard of this so I called the police who told me the chances of getting the report amended are very slim and likely not to happen. The other driver claims she was stopped for several seconds and I should have been able to avoid her. The roads were covered with snow so stopping times were increased, I could not stop in time. I have no collision as my car isn’t worth very much and now have no way to repair it. Does anyone have experience in a similar situation on what my best options are with the evidence I have? So far I have filed a complaint with my states department of financial services, request a copy of the decision and appeal process with the insurance and stared researching the small claims court process. The insurance company refusing to pay is GEICO if that matters. Any advice to recoup some compensation for my damaged car is appreciated. tldr: got in accident other driver ticketed insurance refuses to pay for repair

When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

My pet insure Nationwide discontinued our pet policy. My dog a 4 year old Labrador has preexisting allergies. Trying to find the best pet insurance. Any ideas? Our vet does not use Pet Assure. Update: Nationwide reinstated my policy but only at 50%. I will take it since my dog has allergies.

UPDATE: they finally replied and sent me another link to update payment + the portal access link. Unsure what I did.. I guess since payment was involved, they prioritised? Anyway now I can look at my plan, submit a claim, etc. And they said the Comms would improve in the coming weeks. Staying with them bec the premiums were the most affordable with them. I've seen posts about odie this year but writing about my situation in case anyone has also faced it. To the people who got transferred over - have you received your welcome email? My policy renewed on the 2nd of January, and I never received a welcome email. I had to take my cat to the vet and got a 1k bill. There's no place to submit a claim. Nobody is replying to my emails. And on top of that, I received an email today saying my payment didn't go through with a link to update - BUT THE LINK WAS EXPIRED!! The audacity to ask me for a payment when I have literally no info and no reply from this company. Nobody picks up the phone. And if the payment doesn't go through, the policy will lapse and that will leave my cat without insurance which is soooo frustrating!!! Has everyone else gotten their account setup emails?? Or even received a response over email?? Their voicemail message says if you email multiple times it will delay the response even more so I'm scared to write them again and again. Advice??

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

Our cat Miles was experiencing bleeding gums, bad breath and difficulty eating. We brought him to the vet and they thought he might have tooth reabsorption. They gave us an estimate for a dental and we submitted it to ASPCA. ASPCA approved it and we went ahead with the dental a week later. Dental was complete and ended up not being as bad at the vet thought and he ended up with a cleaning and no extractions. We submitted to ASPCA and the claim was denied. They are saying that it's a pre-existing condition because Miles went to the vet last June after getting into a house plant and the vet noticed gum inflammation from it. The vet gave him an anti inflammatory and notated in his October check up that his gums and teeth were in good condition-- in our minds, the inflammation from eating the plant was "cured." ASPCA will cover pre-existing conditions that have been cured for 180 days. The vet used the word "stomatitis" in the records during the June visit and that's why ASPCA is denying us. Because stomatitis isn't considered a curable condition. Our vet tried to reason with them but they won't budge. Our biggest disappointment is with the bait and switch-- when I called to ask why the estimate was approved and the claim was denied, despite them having his full medical records both times, they said they got "new information" in that week between the estimate and the procedure. Not sure how that could be because they had everything about him from vet for the estimate. Not a great start to our relationship with ASPCA.

Like many Californians, got dropped by Farmers last year and the only option was CalFAIR for our fire policy. Paid the quarterly in February online and on time, got a letter today saying that the premium “was not honored by your financial institution”. Double checked my banking app, it showed the amount was paid with no problem. The running balance on my account was around $2-3000 at that time, no way it was NSF for a $676 debit. Plus, my account has NSF protection, where if I do go over (which I haven’t in decades), money from savings is transferred into checking to cover the overdraft. Basically, impossible to be NSF. So now I get to wait on hold Monday morning for however long, and what do I say when/if I get to a real person? How do I prove this was paid? Do I call the bank first?