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?

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?

Hi, I recently had an experience that just baffled me and I was wondering if this is normal. I was with State Farm for decades before I realized that they really did not care about my loyalty and would give new customers a better deal. At that time last year, I switched to progressive. I really liked their online format. It was easy to use. I could pick out exactly what coverage I wanted for what vehicle. At my first renewal, my premium went up by $20. One of the reasons I switched companies is because I felt that I was taking advantage of by State Farm over the years by increasing the price here and there. I called them to inquire why and I was told that it was some kind of new customer discount that could no longer be applied to the policy. It sucks, but I shrugged it off and renewed. I recently was up for renewal again and this time I jumped by $70. I have no accidents, no tickets. There are five cars total on the policy. I called them about 20 days before my renewal was due. I spoke with a representative. Long story short, he said that he was able to get it back down to the original price and I would have to call him at the beginning of March to apply it to my account. I tried calling leaving messages for about 3 to 4 days and was not able to contact him so I just contacted the regular number. I had a reference number that I was able to give the rep to look up this new quote. They acknowledge it and as they are issuing the policy, they press some button and it magically goes up by $100 now. It cannot be undone and it pissed me off. I told them I no longer wanted to renew with them and I would find somebody else. I ended up using a online broker tool, and it led me back to progressive. Where I proceeded to input all my information and not only did they give me a quote, but this quote is cheaper than my original quote last year for the same exact coverage for 5 vehicles. So are we just supposed to be applying as a new customer every single year for policies? Overall, I ended up saving $475.

Location: Michigan At a loss here. Just received a statement from my health care provider that BCBS denied my iron infusion from January and that I owe $11,000. I had iron deficient anemia during my pregnancy and iron pills didn’t do anything to raise my levels so my doctor ordered iron infusions. I didn’t think anything of it as during my first pregnancy in 2023, I also had iron deficient anemia and my iron infusions were covered by my insurance but it was through a different health care provider. BCBS is claiming that the treatment I received for iron deficient anemia isn’t covered. The procedure was coded as q0138. Do I appeal? Do I call my health care provider and see if they coded this wrong? Owing $11k for something that’s been covered before is stressing me out. I never would have agreed to iron infusions if I had known it would be denied. I cannot afford an $11k bill…

Location: Indiana I have just been informed that my son's great grandma (who has never ever had her address used for our Medicare nor been approved to know anything about his or my medical info) has been receiving all of our Medicare information. I have over 5 letters for both him and I in regards to our benefit explanations, they even stopped his benefits and I had no idea!!! I'm upset because he has an upcoming appointment very soon for his 18 month check up and I don't even know if he will be covered by then. I have no idea how they even got her address. She recently moved, and I didn't even know her new address. But somehow, they have all went to her. I'm so confused as to how this has happened?! And I'm really mad that she had (if she chose to open the mail, but she did not open any of it) complete access to our information like that. What can I do about this? I plan on calling Medicare tomorrow but I really think this is a huge issue and I'm pissed honestly.

I've had AAA insurance (home/auto/umbrella/roadside assistance) for 10+ years. I liked my local office/agent who was responsive. A couple years ago she died of cancer and now I am a "house account". Since then it's been much harder to get timely responses from the local office when I need to update insurance needs - new cars, etc. I've handled this by calling corporate customer service if I can't make changes online myself. My question is I've heard being a house account is bad because the agents don't get compensated for helping you. Is this true?

Hey guys I'm with fetch pet insurance Australia due to the fact because they advertised they would pay directly to my vet and I would only have to pay the excess to fetch.. it’s called direct to vet Well I'm learning now no vets are set up with them at all most vets aren't wanting to hand over there vet details so the vet can pay them directly I feel like they are scamming there customers If anyone is with them how do you guys do it?

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?

I've paid $3332 in premiums for my dog's insurance policy. Now, the first time I try to file a claim for a dental extraction, it is not approved because she had a pre-existing condition of "mild gingivitis" three years before our policy began. [They boast all over their website that they have the most extensive coverage for dental compared to other pet insurances](https://www.fetchpet.com/the-dig/does-pet-insurance-cover-dental-care), but they do not. My dog's gingivitis was so mild at that time the vet said it was not a concern, but apparently that is considered a pre-existing condition. Just want to warn other pet owners out there.

He's fine, but the vehicle is totaled. His fault. He's pushing 81, and his memory is starting to go, so neither of us realized his insurance wasn't up to date. It expired at the end of June, and he usually does the 6 month payment thing. We dont know if it got lost in the mail or what, but he's currently uninsured. He's with Allstate and has been with them for decades, but they simply referred him to another insurance company when they called him back to explain his account was no longer active. Despite him funneling thousands and thousands to them through the decades hes been with them, one missed payment seems to be the end all be all. I'm going to call them personally tomorrow to try and figure this out, but I was wondering if you guys had any advice for me?