Had a fun thing happen after going in for my first ever "yearly preventative skin cancer screening" with the dermatologist. Ended up getting a bill for $51 after insurance did whatever it does. I call Anthem to confirm that they do in face pay for a yearly skin cancer screening. Call the dermatologist and explain there may be a mistake because Anthem pays for this visit and asked if it could be re-coded. I was informed that these yearly preventative skin cancer screenings can only be done by a primary care physician and that any visit to a dermatologist is considered "specialty" and thus not considered "preventative." Yeah... let's go to my PCP who isn't a skin specialist and let them do my skin cancer screening. Anyway... TIL, I guess.

So in California with SB371 is it financially for passengers and drivers who are not a fault

It also applies to Robo taxis under Uber’s platform it looks like

How many drivers are not aware of the change and have updated their uninsured motor

Basically opened the account for 112 paid next month 179$. Then rate went to 526$ canceled then get hit with a 250 cancelation fee cuz i didnt give them documents, prior insurance which is AAA and water bill, inwhich ima not give that... canceled at the end of the month.
What can i do? Any lawyers out there?
Already emailed texas department of insurance... but you know how slow they are... sent a email saying i dispute the charge to there fraud email. "Im reporting Fraud against progressive..." texas state laws says i need to be notified 30 days before a 10$ increase and or 10% 8/8 deadline for documents, 9/3 due date... paid 2nd month 7|31 opened 7|3
Also i cancelled 5 days prior and they refuse to give me my 28.57 back (pro-rata)
Email i got
Progressive

Please note that you no longer have insurance with us, effective 08/29/2026.
We canceled your policy at your request, but there is still a balance due on your canceled policy term. Please see your payment summary below for more information.
If you previously scheduled a payment, we've canceled that payment; please pay the full amount due below. If you already sent your payment, thank you, but please know that your payment will not reinstate your policy.
Updated Balance Details
Total Amount Due*
$544.35
Total Amount Paid
-$290.64
Balance Due
$253.71
Due Date
09/08/2026
*Total includes premium and fees, if applicable
Failure to pay the amount owed by the due date may result in your referral to a collections agency.
You can pay online or by calling [1-800-999-8781](tel:1-800-999-8781).
It's important that you get insurance as soon as possible. If you have questions about your cancellation, or would like to learn how to keep this policy or purchase a new one, call [1-800-776-4737](tel:1-800-776-4737) and press 0, or visit us online.

I just started a new job where I have to drive to client’s homes for a nonprofit. I will not be transporting clients. Does this fall under business use on a personal policy or do I need a commercial policy?

Yesterday I was in stop-and-go traffic on the freeway. The cars in front of me came to a complete stop, so I came to a complete stop, and while I was fully stopped a semi truck love-tapped my rear bumper. There’s some small paint damage as well as a penny sized dent on the tailgate, but that’s it. One auto body shop took the bumper cover off to check underneath and didn’t see any structural damage.

My moral conundrum is this: the driver pleaded to pay for it privately because he has 4 kids and can’t afford for his insurance to go up. All the estimates I got were $1500-$2000 to replace the bumper cover and tailgate. I’m not sure what to do, because I feel shallow asking him to fork over $2k over a penny sized dent, and some scratches that could likely be buffed out. At the same time, I’m worried about there being any problems down the line. I’ll be filing an accident report later today but not sure if I should contact insurance or make any claims or how much to ask from the driver. I feel like I’m essentially choosing if I care more about my car’s minor scratches or this guy raising his family

My father passed away a little over a month ago. He didn’t have a will so we’ve been dealing with a lot of things we know nothing about.

We have contacted his employer and they gave us life insurance information so we were able to get in contact with the company. They have an option to payout the policy into a secure account with their own partnered bank or something. It seems like it’s basically a savings account that has interest and we’d be given a checkbook where we could withdraw whenever.

The other option is just the whole lump sum in a check that we just cash to our own bank. I’m not sure if there’s a right answer here? I’m not sure if we should just compare interest rates to our bank? Just check if the bank is FDIC insured? From what I can tell life insurance isn’t taxable but the interest on it is?? Is that even true? Are there other aspects to consider?

I live in Austin. When I look on the UHC app for a pediatric dentist with the filter set to 100 mile radius, there is one covered dentist in Austin, and one in San Antonio, which is a 2 hour drive.

Am I doing something wrong? I will be shocked if there truly is one covered dentist for a metro-area with a population of ~3 million people.

I think the c-pillar might be done for. Would really appreciate any insights/advice as the other driver (police said he was at fault) is underinsured and we're concerned about repair costs. Thanks in advance.

https://imgur.com/a/5Dec639

I'm getting some orthodontics and during my consultation, I was shown a Member Benefit and Eligibility Summary from my dental plan that says I qualify for $1,500 worth of coverage. I moved forward with treatment. Then the insurance company (UnitedHealthcare) denied me saying my plan actually doesn't have an ortho benefit. I checked my plan with my employer, and I don't think my plan does have this benefit, but the summary directly from the insurance company says I qualify.

Do Member Benefit and Eligibility Summaries mean anything? Are they airtight? Should they be on the hook for this? Am I?

​

I keep seeing therapists and other behavioral health providers posting about the same things: stagnant reimbursement rates, clawbacks, audits, recoupments, credentialing problems, and appeals that go nowhere.

I think we need one place to start collecting these experiences by state.

If you’ve dealt with Blue Cross Blue Shield, Anthem, Elevance, Horizon, or another Blue plan, share:

* Your state

* Your profession

* Which Blue plan

* Your reimbursement rate, if you’re comfortable sharing it

* Whether you were hit with a clawback or recoupment

* How far back they went

* What happened when you appealed

The goal isn’t to harass anyone. It’s to document what providers are experiencing and make sure the executives running these companies, state insurance regulators, and elected representatives actually hear about it.

I also think we should start respectfully emailing the CEO or state president of each Blue plan, our state insurance regulator, and our state representatives.

The message can be simple:

Enough. Behavioral health providers are providing legitimate, medically necessary care. Reimbursement rates need to reflect the actual cost of providing that care. Excessive or years-later clawbacks can financially destabilize clinicians and practices. If there is a legitimate problem with a claim, providers deserve a fair, timely, and transparent audit and appeal process.

Fair rates. Fair audits. Fair process.

One provider speaking up is easy to ignore.

Hundreds or thousands of us documenting the same problems across different states is much harder to dismiss.

If you’ve had an experience with BCBS/Anthem/ Elevance, share it.

Tree fell on the house. Biggest driver is that insurance adjuster is quoting that I need to replace my entire roof​ (vs. Repairing a small section) due to my shingles being discontinued. I just replaced the roof in December and the shingles are not discontinued. I explained​ this to adjuster and he said we determined the shingle is discontinued and that's that.

Am I actually entitled to the excess claim money if I'm able to complete the repairs for materially less than the claim amount? Any issues if I don't complete the exact repairs quoted by the adjuster?

Wife has liability insurance in NyC and crashed totaling the car on a guardrail. No other cars involved no major injuries but did go to the hospital. Does it HAVE to be reported to the insurance we’re not getting money anyway?

Hi! My policy is set to begin on Sept 13 but I haveost
not received my device yet - is this normal? Has anyone had experience with the device arriving AFTER the policy has started?

Hello!

I lost quite a bit of my house in a fire. It's not a total loss but damn near close, and the repairs are about projected to be about 100k over what insurance can pay (like max payout). What happens now? Would a HELOC help cover the difference? Do we just sell someone the plot of land with no house on it? What am I supposed to do in this situation and theoretically keep the house, if possible?

Location: Virginia, US

Looking for some advice on what to do. Sorry, this is a long one! I was scheduled for a spinal fusion on September 11th. I received a call on Monday, August 31st from the providers office that the insurance denied the claim due to there not being enough information. Providers office told me the deadline for a peer to peer was expired and they’d need to file an appeal. They also said that they have a new office system and the fax the insurance sent over got “lost in the system”. I call insurance and they say that there wasn’t enough information sent over. Okay, fine. Call the providers office back and reiterate what insurance said.
September 1st, providers office calls me to follow up and say they want to push the surgery date back cause they’re worried the appeal won’t go through in time. I’m pissed, call insurance again to find out what’s going on because I do NOT want to move the surgery date. This time, insurance tells me that they don’t want to pay for inpatient care after surgery. Okay, fine. I ask the insurance what can be done to get this fixed as soon as possible, they say sign a document allowing the providers office to appeal on my behalf, send it to the provider, tell them to mark it as urgent when sending it back to insurance. I fill it out, and my husband faxes it off to the provider.

Next morning, I call the provider and relay the information from the insurance side. They move the surgery date anyways, still worried about the appeal not going through. I also asked if we can change the inpatient to outpatient observation to get insurance to cover it and if (god forbid) I have complications, we can move to inpatient and insurance will have no choice BUT to cover it. Now it’s moved to September 15th.
Now it’s September 3rd and I left a voicemail in my providers direct mailbox to follow up again. I call the insurance and now they tell me that there’s 21 calendar days to schedule a peer to peer and insurance sent it off on August 17th. Of course, it’s the 3rd, a holiday weekend is coming up, Monday is Labor Day and the deadline for the peer to peer availability. If the first insurance rep I spoke to had told me this on the 31st, it would have been potentially approved by now and I can continue prepping for major surgery and not be completely stressed out. I understand the providers office has a new system, but if you know you’re having issues receiving critical documents pertaining to a major surgery, be extra vigilant. Having a new system is absolutely not an excuse for this kind of major miscommunication. I should not have to advocate for myself between my insurance and providers office when they should be doing it FOR me. Unfortunately, this is the reality of insurances in the United States and it’s absolutely unacceptable.
I’m sorry it’s such a long explanation, I’m frustrated and at the end of my rope on what to do. I appreciate any advice that is given, thank you!

I got a call from a person claiming himself to be renewal Agent from CARE health insurance and was asking me to port my parents health insurance currently with Niva Bupa to CARE. He had all the details of the policy including coverage, DOB of my parents, renewal bonus of current policy etc. He shared his i card which I can't ascertain if it was genuine or no. Next, after 30 min or so, I got a call from an executive claiming to be from Niva Bupa renewal team. He mentioned that there has been a revision in exclusion list and Niva Bupa has stopped cashless facility for six months due to some regulatory issues. Which renewal agent will begin with an opening that this issue is present and this cashless thing has never been communicated by mail or SMS from Niva Bupa which they should if such regulatory things are in picture. Now the CARE guy is following up with me for renewal. Has anyone come across this issue? Plus I'm worried for the data privacy. Who leaked all this data? Niva Bupa? Policybazaar?

No contact. I didn't hit the biker. They had right of way as i was making a left turn. It was dark and i didn't notice the bike's light until I turned left. I swear I thought it was a small light on the distance. I braked as soon as I noticed and the biker swerved to avoid me and they ran off into a ditch. I stopped to check on them and I provided my number. I apologized profusely and offered to pay for any damages and injuries. Was that the right thing to do? Or did I just implicate myself? Biker's ankle hurt but was able to ride the bike to a safer spot to wait for someone to pick them up. Not sure of any witnesses, but someone else stopped to check on the situation. Biker did not blame me but i feel like shit. It was early in the morning and I felt so terrible and just wanted to make things right. I am so stupid and blind.

I (41M excellent health) just got married to 26F.

- No children and will not be having any
- Renting, but would like to buy a house in the next 10-15 years as I get closer to retirement
- Two paid off cars in good condition
- No debt
- I have ~$300k between ROTH IRA and ROTH 401k
- Wife has no significant assets coming into the marriage
- HHI is about $115k with me making $80k.
- $50k no cost life insurance policy through my employer
- Wife is on my health insurance plan through work
- Wife likely doesn’t have much higher income potential. She’s an immigrant still learning English without professional skills.
- Wife says she would likely go back to her home country if I die young, and my retirement money would make her very comfortable there

Hi all, I’m trying to understand how NC SDIP would apply to a minor at-fault accident.

The car is insured under a North Carolina Progressive policy, but the accident happened while the car was temporarily in California. It was a very minor door-ding type accident, nobody was injured, and Progressive told us the estimated damage to the other car is around $1,200.

There was no moving-violation conviction, and the policyholder/household has no other recent at-fault accidents or violations.

Would this still be evaluated under North Carolina SDIP at renewal even though the accident happened in California? And if the total property damage stays under the NC threshold, would this likely qualify for the no-points exception and avoid an accident-related surcharge?

Thanks in advance for any insight!

I submitted a claim for water damage to my furniture on my renters insurance policy.

I submitted photos with name brands and age and cost of the items all to truth.

They had a company come out and inspect everything.

I just got the total loss of everything and they rung my tumble brand rug in (about $300) as a pottery barn rug that’s $3,000.

So my check is a lot more than I expected.

Since this is a mistake on their end…can they take backsies? Or am I good to go lol?

I told the truth. Is this my good karma?