At the end of 2024 my wife visited an allergist to try and get a handle on her allergies. A boat load of testing later and she needs allergy injections for her horrific environmental allergies to attempt to get control of them. Everything is good with this allergist at this point. It’s the end of December 2024 and the allergist informs her at her appointment at the end of the next month (January 2025) she will owe $1500 to start her year long series of injections. We have a HDHP with HSA so we totally understand that cost because the deductible resets. Well life punched us hard over the next month and my wife has ramped up her attempts to find a new job because she is so unhappy at her current one. Given everything going on and the fact that she isn’t sure if she will continue to have the same insurance or access to the same provider to complete the allergy injections if she gets a new job, she decided now isn’t a good time to start the allergy injections. So she cancelled her appointment 48 hours prior to the scheduled appointment. This provider did not give her any kind of verbal, written, mimed, carrier pigeon, etc policy related to appointments, billing, and/or payment policies for the practice. Nothing. So at the beginning of February 2025 she received a bill from Quest for the bloodwork she had done in December 2024. Two of the bajillion tests requested by this provider were not covered and it was going to cost us almost $700 out of pocket (whole separate issue we’re handling). She couldn’t find an EOB so I told her to log onto the portal to see if she could download it. Well she logs onto the portal and there are $2,000 worth of claims submitted from this allergist in mid January 2025. They were not the claims related to her appointments in December 2024 and they were submitted two weeks before she cancelled her first allergy injection appointment. To make a long story short, the allergist prepped the injection two weeks before my wife’s first allergy injection over the course of 3 days and submitted the claim to insurance for it. The doctor’s office is saying she is responsible for the bill and I’m saying that sounds like fraud for billing for treatment she never received and was prepared without any kind of contract or informed consent to give her the opportunity to prevent this from happening. My wife has spoken with 2 different insurance reps and one was like yeah you’re responsible and the other said I’m referring you to our fraud department. The doctor is entirely unhelpful and has refused to communicate with her on 1. Why there is no practice policy to avoid this situation and 2. How long that injection mixed up in good for and 3. What happens if she stops doing the injections after one appointment. What do we need to know about this? Is this fraud? Should we push to not be responsible for this cost? Did my wife make a mistake somewhere in understanding how allergists operate and missed what is the obvious to the field she should have cancelled her appointment at minimum two weeks before it was scheduled?

I have a health plan with Aetna, and for specialist office visits, the copay is $65. For outpatient diagnostic testing, there is no charge, no copay, and no deductible applied. I went to my specialist's office for a blood test with a nurse, without seeing the doctor. A few weeks later, I received a bill from the doctor's office showing that I owe $65. I called my doctor's office, and the finance department said they billed using CPT code 36415, which is correct. Then I called Aetna, and a representative said, "Because the lab is an in-house lab at my specialist's office, if I go to a doctor's office for outpatient diagnostic testing, the $65 copay applies since I received a service from the provider." Is this correct? I had blood work done at other specialists' offices last year without seeing the doctor, and I wasn't charged the $65 copay. Did Aetna change their terms this year? Has anyone had a similar experience? Is it normal for Aetna to categorize diagnostic testing done in a specialist's office as a doctor's visit?

I have a 2022 Toyota Corolla Hatchback insured with Allstate. My older son used to drive it, but he's now away at college (out of state) and only occasionally drives when he's home. My younger son is about to get his license, and when I asked Allstate about adding him to the policy, they said my monthly premium will essentially double. This seems excessive since their overall risk exposure isn’t really doubling—my younger son is essentially replacing my older son as the primary driver, not adding a whole new vehicle to the policy. It feels like a shady business practice. Is this a common experience with teen drivers? Am I getting ripped off, or is there a way to negotiate this? Any advice on dealing with Allstate or switching providers?

If this is normal I'm not going to fight it, just stupid because I had NEVER been in an accident before and mine would've been minor had it not damaged my front radar sensor.

I'd love to hear from anyone who has used AKC for pre-existing conditions. My 3yo Cavapoo has suspected IBD. He's had several vet visits and a specialist visit for it. He has Pets Best insurance, which was unfortunately purchased after one trip to the vet for diarrhea when he was 3 months old. So they won't cover anything GI related AT ALL. I talked to an AKC rep today who said they will cover the IBD after 12 months of premiums, even if he continues to have issues with it and has to be seen for it during the waiting period. Can anyone verify? Thanks!

Hello all, thank you in advance for your help, this has been a nightmare of a case with the valet company that services my apartment building. Long story short, the valet that parks the residents cars at my apartment building backed my car into a wall causing significant damage to the trunk and bumper. The valet is denying responsibility given there was no camera that captured it happening in real time. The valet company is refusing to give me their insurance information, and my insurance is claiming the valet driver is a “permissible driver” and therefore the liability falls on me. Now my insurance is being raised by almost double because I now have an “at fault” accident on my record. What is the best course of action here? How can I get the valet’s insurance info? Any help here is greatly appreciated…

Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina

I put my three dogs on MetLife’s family plan sharing one annual limit and deductible because it was the only company doing it and all the others including Fetch, who I already had, were getting way up there on premiums, especially for my oldest dog. Started out sharing $10k annual, $250 deductible, 80% reimbursement, around $115/mo. Dogs were 9, 6 and 4 mo. After one year and no claims MetLife bait and switched me, lowering my deductible to $200 and raising the price by $30. Their other offerings for less were with higher deductibles that didn’t result in anywhere near my original set up in cost. I was ticked off but ended up doing nothing about it. And yes, I know the rates go up as they age. Renewal came up and they did it again, changing my limit to $10500, lowering my deductible to $150 and raising my premium by $80 to $228/mo!!! I never put in a claim this whole time! I work at a vet hospital and get a discount, did have one dog worked up with labs that didn’t meet the deductible so didn’t bother. However, I imagine as far as other carriers are concerned he now has a “pre-existing condition “ even though we didn’t reach a diagnosis other than polydipsia. So I called MetLife and went through various policy scenarios to see what that dog would be by himself, moving the now 2 1/2 yo to to a different provider and dropping coverage on the now 11 1/2 yo which I hate to do. I ended up keeping everyone covered at $250/80%/$5k for now at $144/months. Makes me nervous as a previous dog took me up to $8500. But this buys me time to decide what to do. Has anyone here had experience actually putting in claims with MetLife? How were they in honoring claims? Did they yank you around changing coverage and raising premiums substantially at renewal?! You would think there would be some kind of reward for not needing to submit claims! These tactics are BS!!!

In October 2024, I was in a very small and minor MVA. I rear ended a vehicle at a stop light when I let my foot off the gas pedal (less than 10 mph at most). I have CA legal liability. Location: California My problem is that the driver is claiming excessive damage to the vehicle. He's claiming bodily injury to himself and his child.. There was no child present and I know for a fact that the impact did not cause any vehicle damage. My insurance has already paid $2000 for vehicle damage and has prepared an offer of $8000 for bodily injury (as of 4/4/25).. What can I do?? Legally? My insurance is advising that they will represent me should the other party not accept the offer. I'm taking this very personally, and it's hard not to feel like the other party is abusing the system (my personal opinion in respect to my recall of events).

In April 2024, I had a couple of procedures done, such as fillings, cleanings, root canals, and crowns. I was pregnant at the time, so I had to delay the crowning, but I had the imprints done beforehand. At my consultation appointment in April, my dentist reviewed the treatment plan and the costs. I knew that I would have to pay out of pocket for some of these procedures. When I went in for my first filling and root canal appointment, the office told me that my dental insurance didn't cover some of the costs. I knew this and was okay with whatever the updated pricing was. Paid $606 for the first appointment, and went on with my life. At the second appointment in May, I went in for the crown imprint, and at this appointment, I paid off the remainder of the treatment plan cost before I even got the services done (with the updated pricing that my EOB said wasn't covered). I paid $552 out of pocket. Several months later, in April of 2025, I kept on getting these calls with no sensible voice messages saying "this is a debt collector". No effort was made by my dentist over the year to let me know of this balance. I checked my dental insurance claims, and the claim was rejected for code D3910, which I knew was already rejected when I went in for my last appointment. Now I am confused why my dentist is saying that the insurance rejected it when I already paid off my balance. What should I do, and am I liable for the debt? Should I speak to the debt collector or the dental office? This was in California, and the insurance is with United Concordia. Not sure if this matters.