Hi all, Like the title says, I'm having a super hard time finding insurance. I've reached out to Next, The Hartman, and Hiscox; I've been referred to Tivily and then transferred from there to Thimble who turned me down, and I have yet to be connected to anyone who can offer coverage. I recently launched a for-profit s-corp, 501(c)(3) fiscally sponsored disability resource center that supports individuals across the lifespan in my community. We're launching an adaptive equipment library, classes and services, 1:1 peer mentoring, and community education. I'm the owner and we're a team of 3 volunteers. All of our service offerings are free but we're in the process of applying for grants and contracting with Medi-Cal, CalAIM, and SARC. We also are opening a physical center to act as a social/community space and adaptive store. Ideally, we will be expanding our program offerings this year. Everything is on hold because I can't find an insurance provider and we can't get contracts without it. Any help and advice is welcome.

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?

Almost two weeks ago, I (26M, Location: North Carolina) was the passenger in a car accident. My boyfriend's car got t-boned on my side, and he is definitely at fault. I got a pretty nasty bump on my head, which the PA at the urgent care later diagnosed as either a bad headache or a mild concussion. At first, I just had a dull headache that came and went, I'll now say I'm having migraines that are coming and going, and at their worst I want to lay down and do nothing. My parents want me to pursue legal action against the insurance. They think I should get head scans, and his insurance should cover it. I'm thinking maybe there's sort of aftercare or physical therapy that'd be possible. But I'm hesitant about suing my boyfriend's insurance. I imagine there would be negative consequences for him through them, which I wanted to avoid. I wish the headaches were getting better, but they're not--if anything they're getting worse. He's also not happy with the way the insurance conducted the afternath of the accident. Evidently they listed his car on the auctioneer's site before telling him the damage (he's since taken the car back and the listing was taken down). He planned on suing the insurance company, but he consulted a lawyer who told him he doesn't have a case. When I told him about my legal options, he said his insurance is shady and he'd pay for expenses without going through them. That, at this point, seems like it could be way too costly when it's all said and done. Meanwhile, the insurance company has contacted me and they're asking questions about lost wages and whatnot. I've told them I'm having headaches. So what are my options? How bad would this be for my boyfriend? What would you recommend in this spot?

I have TD auto insurance. January, I got into a ditch and called towing service. However, at that time, I had no idea that I could simply submit a towing reimbursement. So I called and opened a claim. Adjuster provided me an email address for towing reimbursement. No car fix was required. Now upon renewal, TD claims that getting into the ditch is an accident claim on file even though they paid 0 dollars on it. I called multiple times and they got me to the underwriting department for a final review. How would this go? Anyone has similar experience? What can I do if they still refuse to see me as accident free?

After all these years, it still grinds my gears. A truck carrying drilling waste accidentally went into the wrong farmer's field, and sprayed a tiny bit of it on the alfalfa field, before the driver realized his mistake. I was called in to analyze the soil test data and write a report and recommendations. The tests showed salinity deep in the soil profile, that couldn't have possibly come from the drilling waste, and I said so in my report. I was called to a meeting with the insurance adjuster and had to endure a thorough dressing down for it (by a British accent no less) and made to look the fool in front of my peers. The insurance company was far more inclined to spend dozens of millions to excavate all the soil and have it replaced instead. That was my first inkling that insurance companies don't really want to avoid big payouts; they use them to justify raising their premiums.

This year, my Farmers umbrella policy for 2 mil coverage premium increased from 1000/year to 3880/year. We are in California. Have umbrella/home/auto (2 cars, 2 drivers) with Farmers. My son is 22 and has an accident on his record from 2.5 years ago. He has his own car titled in his name. His car is insured on my policy. What would you do to lower the umbrella insurance cost? I am really struggling here. If he gets his own car insurance, can I be sued for an accident he causes since he is a dependent on my taxes? Thank you for any ideas.

Hi y’all. I recently opted to cover my cat. I’m paying a bit more than I’d like to, but I’m willing to keep the policy if it’s a good investment. My cat has a preexisting condition they won’t cover. That sucks. Online I’m seeing customers were dropped due to aging pets. What are your experiences with this company? Is it ok or should I run in the other direction?

Insurance company sent an inspector. Contractor said roof is in amazing condition but there's always a but, since the roof is over wooden shakers it has to be replaced!!!! My agent is a total pain, she just says get it done, sure no problem because I have dam neat $16,000 to do this.🥺

Location: Indiana I recently booked an Airbnb for a month. The day I was set to check in to the room I was staying in the host, who is live overseas in the EU, called me and goes into a story about how he is in a conflict with AirBnB and that due to this conflict AirBnB won’t give him any of the money that people pay to stay at his rental, he doesn’t really go into any real specific details other than that. I was desperate for a place to stay so I don’t really ask a lot of questions in that moment. He says that he will call AirBnB customer service to get a refund and then I can pay him the same amount I payed on AirBnB to his PayPal account after I’ve received the refund. I agree and I await my refund from AirBnB. I receive it and I payed him through PayPal as discussed. Around 3 weeks I start having various issues with the host, he’s calling me, stars saying I’ve got to do this and that, nothing illegal just various things like take pictures of the place to ensure his agent is keeping the place clean and making the repairs he is supposed too. I refused but I thought this was odd so I did a court records search on him and that’s when I uncovered that he was lying about the extent of the conflict with Airbnb. In fact he doesn’t have a conflict with AirBnB at all, he has a judgement against him and an order was issued to AirBnB to withhold all of the money from the hosts rental to and instead give that money to whom the money on the judgement is owed. I’m floored by this because I never would have agreed in the payment arrangement had I known the truth. I think what the host is doing is wrong and I’d like to go to the local attorney of those who have been awarded the judgement and/or AirBnB’s legal team to fill them in on the situation. My only concern is that I’ve somehow become complicit in this guys scheme through the payment arrangement and I could be putting myself in legal trouble as well. I want to do the right thing but I also don’t want to screw myself over in the process. Are my concerns valid? If so could I possibly work out a deal with the local attorney and/or AirBnBs legal team to be immune from any recourse for my cooperation in presenting evidence in this guys scheme to get around the order put in place to pay the judgement? I appreciate any input on this situation I’ve found myself in.

To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.