A tip to those who have filed a claim. Insurance |
- A tip to those who have filed a claim.
- Daughter born 12/29/18. Insurance questions
- Auto underwriters, how would you classify this?
- Thank you to this sub
- Working for a Star Farm agent
- Billing run around, please help!
- Auto Damage Appraiser
- UHC wants reimbursement for treatments they approved and paid for because of the "birthday rule"
- Using Parent's Health Insurance
- State Farm term policy
- Lowering a $700 car insurance payment??!!
- Just got in car accident. question about health insurance
- Dual Insurances - Both from employers. Who is primary?
- Coordination of benefits between two healthcare policies while usuing COBRA
- Will a declined claim result in increase in home insurance premium?
- Got involved in a car accident in FL, other party at-fault. Should i seek diminished value? Help please!
- College student who needs help with underwriting and career
- Auto inspection tomorrow
- Involved in accident where driver hit me, but insurance company says its 80% my fault.
- Help for a green agent
- Self-pay rate vs. bill-the-insurance rate
- Another DV case with a twist
- Appointments suddenly no longer covered, insurance saying it’s vision and not “medically necessary”, vision insurance is saying it’s medical. NY
- Questions about Car Insurance and Diminished Value claim
- My USAA vs at-fault driver's Direct General: best outcome
| A tip to those who have filed a claim. Posted: 07 Jan 2019 01:17 PM PST I'm an adjuster and have been for about 4 years now. The best advice I can give people filing a claim is the phrase "we go as you go." We. Are. Super busy. I'm not sure what your job may be but the amount of things we are asked to stay on top of is a lot. So once you file a claim understand, if you want an update, if you need something, if you don't know why you haven't heard from us, call us. Don't just sit back for a month doing nothing and hen call your agent and say "I haven't heard anything in a month!" Like it or not an insurance claim requires you to work with us, not us work for you as much as we try to. When you complain to your agent you essentially complain to our managers and honesty most of the time we're just busy and need a call to remind us or to move us along. When you call the agent you're essentially going "ok you had one chance to do everything perfect without me setting any expectations for your job, I'm calling your manager." Now with some adjusters they don't return calls, they don't follow up on their own, if you try to contact them and they don't call back then you should take other steps. Edit: I've noticed this post is being periodically downvoted, it's disappointing to see people don't agree that you have some responsibility in the process. Understand we are not your slaves to do your bidding at the drop of a hat. We are professionals working our asses off to try to help as many people as we can while still trying to have a life with our families outside work. Edit 2: glad to hear that I'm not alone, hearing everyone's stories makes me feel better. Sometimes it just gets tough working your ass off and the only thing you hear on the other end is "where's my money, why isn't my car fixed, etc" you guys are great. Also crazy to see the claim volumes. Just remember people, when you file a claim your adjuster could be handling anywhere from 100-500 claims. [link] [comments]  |
| Daughter born 12/29/18. Insurance questions Posted: 07 Jan 2019 11:19 PM PST Hello. My benefits department and HR at work is not very helpful so I have some questions. My daughter was born on 12/29/18. So do I need to add her to my 2018 medical plan or will adding her to my 2019 plan be enough? I had two different plans but at the same job. I tried googling but could not find anything. I guess it comes down to if the hospital or my daughters pediatrician bills my wife or my daughter during her stay at the hospital. We were released on 12/31/18. I called my insurance and they said to contact my job while my job says to ask insurance? Frustrating. Thank you [link] [comments]  |
| Auto underwriters, how would you classify this? Posted: 08 Jan 2019 03:14 AM PST In late 2007 or early 2008, my husband received a ticket in Texas for not having proof of insurance. He was insured at the time, but didn't have the card with him when he got pulled over. He was in the middle of moving back home at the time, so instead of going back to Texas to fight it, he just chalked it up to a stupid tax, paid the ticket and went on. He (eventually) got a license here in AL. He might have even renewed it in 2012 or so. But the last time he renewed it in 2016, he was told that TX had a hold on his license. Apparently, in TX when you are caught driving without insurance (which I guess he admitted to by paying the ticket) you not only have to pay the ticket, you have to pay a fine every year for the next three years. As he was unaware of that, it obviously never got paid, and it took 8 years for it to make it to AL. We paid the fine and he was able to renew his AL license. As far as we know, the AL was never suspended. We never received a letter from the state. I can't remember if his license ever had to be run by the police. How do we need to list this on insurance applications? I assume that his TX license is listed somewhere as suspended from 2009-2016, but he had what we assume is a valid AL license for a good part of that time. The only time he didn't have a license was during the few weeks in 2016 where his old one was expired, but AL wouldn't issue a new one until we paid TX (and even after they're paid it's a slooooow process). And how big of a deal is this going to be to get him insured? [link] [comments]  |
| Posted: 07 Jan 2019 10:52 AM PST Anytime that I've had some sort of problem with my health insurance not covering this or not fully paying for that, I get incredibly anxious and stressed. It really weighs on me. This sub has helped me each time by having stories of people who have gone through a similar situation and found a solution. Thank you so much for existing r/Insurance. You always give me courage to call my provider or insurance and resolve my issue. [link] [comments]  |
| Posted: 07 Jan 2019 05:36 PM PST Edit: oops. State Farm. Not Star Farm! Hi. Please let me know if this isn't the right subreddit. I was curious if anyone has every worked for a State Farm agent and could give me some insight. I had a phone interview today and I really liked the agent and feel like they would be a great boss. I was just wondering if people could answer some questions I have. Questions like what it was like working for a State Farm agent? what your pay was before commission and what did the process look like obtaining your life insurance license? They want me to at least get my life insurance cert before even starting my first day. Thanks! [link] [comments]  |
| Billing run around, please help! Posted: 08 Jan 2019 12:48 AM PST Hey guys, I've [24y F]been dealing with my insurance and doctors office giving me the run around for a month and a half now. I was hoping to get some tips on how to fix the situation once and for all. Sometime in September I called to schedule an appointment for an annual exam, Pap smear, and IUD replacement. The previous year I had talked with my doctor about getting a new iud when I reached the 3yr mark for my old one. She wasn't the doctor that placed it, but said she would have no problem placing a new one when the time came. I went in on 10/09/18 thinking I would be getting an annual exam, Pap smear, and my iud changed because that's what I said the visit was for when I scheduled it. Once I got into the exam room, I was told they wouldn't be replacing the iud or performing a Pap smear, and I would have to schedule another appointment for that. I was told they needed some paperwork filled out before they could order my iud. So my doctor asks her regular exam questions, but doesn't really do anything else. I filled out all the paperwork afterwards and scheduled the second appointment. The Doctor used the cpt code 99214 which from what I've found online is an outpatient exam. My insurance covers 100% of preventative care. Since the code is an outpatient one and not a preventative one, my insurance won't pay for any of it. I've tried talking to my Doctors office about the issue and they just say they will look into it and never get back to me. I've contacted them multiple times over the last 3 months and haven't gotten an answer. Same thing with my insurance provider. It's coming up on 3 months and I am worried I'll be sent to collections and get a ding on my credit score. I would just pay the bill, but I'm a broke college student and would have used free services offered by my college if I knew this would happen. Any help would be greatly appreciated! [link] [comments]  |
| Posted: 07 Jan 2019 11:06 PM PST Hey guys, This might be a tad long so bear with me. Im a 19 year old male and have been out of high-school for a while now and could never figure out what I really wanted to do with myself. I held off on going to college since I didn't want to dump money just to be distracted and I tried to take the route that my friends have and get into a trade but I couldn't find anything that best fit me. Anyway, Ive had a strong passion for cars since I could walk and have helped build a few cars and started building a 70 Chevelle of my own. That being said, I have no interest on being a mechanic or working on cars for a living...its just something id like to keep a hobby. So with all this pressure from my girlfriend and everyone in my life...its been hard to figure out what I want to do and to get out of this crappy loop im stuck in and I started thinking deep. Then after some research I landed on insurance, auto damage appraisal to be exact. Everything about it sounded perfect, which no job has up until then. So I did some more research and submitted an application or two to some larger insurance companies (with no luck of course) and realized that this is a seemingly hard to job to grasp despite what I read. Now, what I read is very conflicting; its said to be an easy job to get into but thats not looking like the case. Nor does it seem like theres many jobs available near me. Also, the words appraiser and adjuster are used interchangeably and its super confusing and frustrating nor is there a solid answer to what is needed to get into this line of work. I have no degree but lots of knowledge (Ive been a top student in my highschool's automotive program, qualifying at the state level for a major dealership association in a technician competition...which no student from my school has qualified since the 80's. Also helped build a project vehicle in the school's program that went on to be a great story for the community) and that's something thats proving to be a major challenge with all of this...I get ignored. I sit here typing this because Ive looked everywhere with no luck, driving by shops seeing a progressive car sitting outside and wondering how that guy made it. If you made it this far, I apologize, but I also thank you...any advice is greatly appreciated...cheers! [link] [comments]  |
| UHC wants reimbursement for treatments they approved and paid for because of the "birthday rule" Posted: 07 Jan 2019 09:57 PM PST My only health insurance is through my parents. In August my Mom was hired by a school district and was required to subscribe to a plan through Anthem Blue Cross, so now for the first time I have dual insurance. UHC approved me for an expensive therapy called dTMS (36 treatments, $600 each) in November. Midway through the treatment I get a call from their billing office saying UHC is not paying them, so I call UHC and am told they were not my primary insurance per the "birthday rule". They explain to me that they were not responsible for covering me after my Mom was hired and will even need to be reimbursed for everything they covered since then, which is an enormous sum. So I explain this to the biller and she tries to get approval from ABC which they promptly deny. The biller got me on a conference call with UHC and ABC representatives to try and resolve things but neither would budge. The dTMS company said they are going to have to bill my credit card for the remaining balance (about $10k). I have called UHC and ABC back trying to get to someone that will help me but they will not budge. The reps I speak to on both ends are unsympathetic and unclear (they all have slightly different explanations). They said if I appealed I would be automatically denied because this information was provided to my Mom when she was hired and there was no error on their end. We have never had dual insurance before and no one explained anything to her, they just told her it is mandated by the union and she had to sign on to it to be hired. I have no idea what to do next. The reps are unhelpful, the biller is sympathetic but says there is nothing I can do. I am on the hook for five times what I make in a year now and the only thing I can think of is hiring an attorney next. [link] [comments]  |
| Using Parent's Health Insurance Posted: 07 Jan 2019 05:28 PM PST Hey, I wanted to use my parents insurance to get antibiotics from an urgent care for a UTI, I don't know what insurance provider my parents have though, and I don't want to ask because they will get suspicious and I'd rather keep this under wraps. Do I need the insurance card or is it something the hospital has access to through mine or my parents names? [link] [comments]  |
| Posted: 07 Jan 2019 08:49 PM PST Do State Farm term policies for 100k check for prescribed medications and medical records? [link] [comments]  |
| Lowering a $700 car insurance payment??!! Posted: 07 Jan 2019 08:10 PM PST My boyfriend recently got into a car accident doubling his car insurance payment from 350 to $700/month. Hes 22 and lives in orange county and has 1 other accident and another claim from running over a wooden board on the freeway. He also has a few speeding tickets all within the last 3 years. He's currently with Geico and we are planning on moving out together soon so I've been trying to find different options for him since its pretty necessary for him to have a car right now. My insurance rate is nowhere near as high as his (no accidents ever and i have never gotten a ticket before) and i do have a pretty good credit score, will combining our insurance help with his payments? We do plan on moving to arizona and I'm sure insurance is a bit cheaper out there but i would love to see if there was anything else we could do to lower his payments. Thanks so much for any advice!! Any insight is appreciated. Edit: he drives a 2014 Mitsubishi lancer less than 100k miles but he is not attached to his car and is willing to find a cheaper one [link] [comments]  |
| Just got in car accident. question about health insurance Posted: 07 Jan 2019 06:06 PM PST Hi, I have a high deductible 1500 plan, 3800 max out of pocket health insurance. I was rear ended, at red light. I am probably going to hosipital to get check up. I been in 5 accidents, and this is the first time i feel it right away. 1) Can i pay my dedutible plus max out of pocket and then get reimburse, from other parties car insurance? And this payment will still count towards my deductible? Thinking about getting lawyer also. First time i even considered one. Any other advice grealy appreciated. [link] [comments]  |
| Dual Insurances - Both from employers. Who is primary? Posted: 07 Jan 2019 05:34 AM PST Hello! I've been working two jobs for about a year and a half. I've always used the health insurance from my old(er) job for consistency but I was planning to quit that one end of January/February this year so went ahead and enrolled in the new insurance. That said, during open enrollment my husband and I were trying to conceive a child. My old insurance has super generous fertility treatment allowances so I decided to re enroll just in case our first round of meds didn't work to give us a little runway to try again in January. I figured worst case scenario I pay a few months of extra premiums. Well - we found out 2 days later that we are pregnant without any help! (Yay!). So now I'm somewhat managing both jobs pretty well and figured I'd keep working as long as both are still fun. But I have both insurances. Everything I can find only tells me "your employer is the primary" but both are MY employers. On one hand, it will be nice to have extra coverage with the baby but I'm afraid of both insurances pointing the finger at the other. What's the best way to move forward and establish a primary? Should I drop the old insurance and just work towards my deductible on the one or is there a natural hierarchy that they will follow? Thank you! [link] [comments]  |
| Coordination of benefits between two healthcare policies while usuing COBRA Posted: 07 Jan 2019 05:26 PM PST Hello, I have had a two month struggle with my insurence companies about my coordination of benefits in the state of Georgia. The insurances are United Healthcare, which is COBRA for me and my partner and BCBS which I get through a new job and was only able to get myself on time of sign-up last year. Both insurances are claim saying that niether is primary for the last three months. Its caused all claims going back 6 months to be denied. Before this happened, United was primary and Blue Cross was secondary for atleast six months before. Both policies Are from past/present jobs and are in my name. Blue Cross has been helpful in the three weeks Ive dealt with them and has already sorted out the cob on it side. They say I fall under the long short rule and since Ive had my insurance that I used cobra on I had for four years before I left my last job United would the primary. This story is the same story Ive heard from all other vested parties (HR at work, Doctors offices with large billing sections that I owe a shit ton of money since insurance hates me) United for the last two months has given me the ring around. All the first level Customer support have not understood what I was talking about to giving me vague Ideas about something that since Blue Cross is through my new job that Its my primary. I finally got a supervisor two weeks ago. Said there wasa 60 day backlog on COB ( and 30 days to reprocess after) and she would try to esclate it since I had bills coming in. She said that she would get back to me last week. Called her like crazy last friday when I didnt hear from her but she didnt pick up. I got a voicemail on Saturday from United (didnt sound like the lady I had been working with and they gave no nam) stating that United was once again secondary and my request to make them primary had been denied because Blue Cross is with my company. I do not think they have even reviewed my file baised of the info I was given before about wait time. Im at my wits end. I am getting bill coming in and one place has over 70k in bills that are going to fall to me to pay. Im scared and tired and I want off this ride. Can some give me advice on:
Any help is appreciated Edit: On Mobile and Suck at spelling. Tried to catch the mistakes. [link] [comments]  |
| Will a declined claim result in increase in home insurance premium? Posted: 07 Jan 2019 11:00 AM PST I recently lost my phone while I was on vacation. I have purchase protection for my phone through my Chase credit card, since it was purchased recently. Chase's purchase protection is a secondary insurance, which means, it will pay only if it's not covered by my home insurance. I have already sent Chase a copy of my home insurance policy (with AllState) as a proof that I don't have any kind of theft insurance for my cellphone with my home insurance. Now Chase is asking me to make a claim against my home insurance and have the home insurance decline it, before Chase's insurance would pay for my cellphone. I know for a fact that that AllState will simply decline my claim since there's no coverage for cellphone theft under my policy. But Chase is forcing me go through the claim process with my home insurance. Will filing such a claim (which is going to be denied) with my home insurance affect my current home insurance premium or any future home insurance premiums with a different insurance company? I feel kind of stupid making a claim that has no possibility of being approved. [link] [comments]  |
| Posted: 07 Jan 2019 03:55 PM PST Hello redditors, I'm seeking some advices. I have a 2016 Hyundai Veloster Turbo, almost 40k miles, was in a pristine condition prior to accident. About a month ago I was hit on the side, pictures provided. Other party(Geico) was at-fault and accept full liability. Damages came out to almost $8000. Repairs will be done in a few days. Should i even bother seeking Diminished Value of my car? and what are my chances if I go through it? I'm in the state of Florida. Any help is appreciated! https://postimg.cc/gallery/340ekbewy/ [link] [comments]  |
| College student who needs help with underwriting and career Posted: 07 Jan 2019 11:54 AM PST Hello, I'm currently a senior, although i have 2 semesters left, at university completing my economics degree. I've been looking at possible career paths and underwriting has taken my interest. Currently my gpa isn't great, roughly a 2.5ish. Is it possible to get into underwriting with a low gpa? I don't plan on having my gpa on my resume but will of course disclose it if requested. Also what designations should i try to get or work towards before i graduate? I was looking at AU as well as starting on my CPCU. I may also consider becoming an actuary later down the line. I'd appreciate any input and any helpful information in general for my situation. Thank you for your time. [link] [comments]  |
| Posted: 07 Jan 2019 11:49 AM PST long story short, my car was rear ended around new years and the drivere insurance has claimed full liability and will be covering my vehicles repair/value and medical bills. my car is a 2000 civic with a cracked/sagging bumper, bent in trunk, cracked taillight, and my suspension is much bouncier. as the car is fairly old and I can repair it at my own leisure and cost, I will be having it inspected tomorrow by a AAA adjuster who will be writing me a check for repairs. how do I make sure I don't get a bogus offer? I don't expect an insand amount since the car is old, but I also don't want to be lowballed. [link] [comments]  |
| Involved in accident where driver hit me, but insurance company says its 80% my fault. Posted: 07 Jan 2019 09:05 AM PST Hey guys. Couple weeks ago, I was involved in an accident. I was at a 4 way stop sign, heading north, but I turned west after coming to a full stop. Another driver heading south decided not to come a full stop and hit my car. Estimates came in saying my car was totaled. WOW! I have been talking to the other drivers insurance for weeks and they essentially came to the conclusion that the accident was 80% my fault, even though their driver decided not to follow traffic laws. The police report was very broad and neutral so it can't help. Is there any way of fighting this? I need a new car and a couple hundred bucks from the guys insurance company isn't going to help me. [link] [comments]  |
| Posted: 07 Jan 2019 11:04 AM PST Not sure if this is the right sub for this, but I am a new insurance agent(less than a year) looking for any help more experienced agents would be willing to offer! [link] [comments]  |
| Self-pay rate vs. bill-the-insurance rate Posted: 07 Jan 2019 07:13 AM PST Hi, this is my first time going through the medical insurance billing process, and I'm hoping for some advice about one of several situations that have arisen. I got a bill in the mail from a medical testing facility a few weeks ago for $200 (for STD and urine tests I had done at the doc). Confused why it wasn't showing up on my insurance portal, I called the facility's billing office. My birthdate was mismatched, so they corrected it, said to disregard the bill and they'd process it through my insurance instead. A few days later I logged in to my insurance portal and saw a pending claim for $600. Based on my insurance's record with the other claims, I'm not confident they will cover even 20% of that. I called the testing facility's billing office again to get some clarification. The $200 is a self-pay rate for patients without insurance, and they billed my insurance the full rate. They said they're not able to revert to the self-pay rate if I have insurance on file. (I'm a dependent on my parent's plan). I'm sitting here obviously wishing I had never asked them to bill my insurance, and paid $200 versus $500-something. So what can I do? Is it better billed through my insurance, for legal reasons or something? Please help me feel okay with this. [link] [comments]  |
| Posted: 07 Jan 2019 01:45 PM PST I'm in GA. My brand new vehicle (1 month off the lot) got T-boned in IN. I was able to drive the vehicle home to GA to the original dealers body shop. 2018 with 3,000 miles = $36,000 fmv. Repairs total $10,000. My agent says DV of around $7,000 should be paid by at fault party's insurance. 1) Does this sound about right? 2) Does the location of the accident have any bearing on laws governing DV? I've read GA is great for DV but worried I may be about to get into a pretty good fight here. [link] [comments]  |
| Posted: 07 Jan 2019 01:26 PM PST I have to get my eye muscles monitored by an eye doctor because of an autoimmune disease which has caused damage to my eye muscles. All of this is diagnosed. They have to track how the damage is progressing and intervene with surgery if it's gone too far but surgery is not recommended unless needed. I don't get eye glass prescriptions at these appointments, it's literally just a medical exam of the eyes and confirming the progression of an already diagnosed condition. My medical insurance covered this for years and suddenly denied it as "vision" and unnecessary. I tried sending it through vision insurance and they said it's for a medical condition and not vision (because it just focuses on the eye muscles and my vision is 20/20). Which I didn't think would be covered by them as I make a separate vision appointment for my eye sight. I filed an appeal with my medical insurance, checked with the hospital billing codes to verify it was coded correctly, and had my endocrinologist, primary care doctor, and eye doctors write letters explaining the medical aspects for the appeal and it's still denied. Can anyone help with this? As far as I know it should be covered as it's a medical appointment for an autoimmune disease and no other doctor feels qualified to monitor it. If left untreated it could result in permanent loss of vision. All of this was made clear by multiple doctors in the appeal letter. Is there any tricks for forcing this after an appeal denial? Is there an agency that can help? Or am I in the wrong and need to just eat the cost? [link] [comments]  |
| Questions about Car Insurance and Diminished Value claim Posted: 07 Jan 2019 11:23 AM PST I bought a brand new car (close to 20k) back in September. I just got rear ended. My insurance is Progressive, the other party is State Farm. I filed a claim with Progressive, they called me back and asked if I wanted to go through with Progressive or State Farm. They suggested State Farm because my policy has $1000 deductible AND no rental. Progressive told me I could file a claim about Diminished Value claim with State Farm. I've never been rear-ended before.. so how does this work? Will State farm honor the the diminished value? any advice? My car has less than 5000 miles! [link] [comments]  |
| My USAA vs at-fault driver's Direct General: best outcome Posted: 07 Jan 2019 10:39 AM PST Welcome to adulthood-- this is my first time filing an auto accident claim and I have all the questions. My son, T, drives a 2008 Subaru that we just put a rebuilt engine into. Today, while he was stopped in a left-turn lane, another driver, A, crossed two lanes of traffic (and the double-yellow) and hit him. I don't know if A was cited but both on-scene cops told me it was clearly 100% his fault. Both vehicles were damaged, T's way worse than A's. Both were towed from the accident scene. A's was drivable; T's was not. I have USAA (comprehensive, collision, and rental car). A has Direct General. I've never had to file an accident claim before, so I'm probably making a bunch of wrong assumptions-- but I am guessing I need to file a claim with Direct General since their driver was at fault. Am I better off doing that or filing with USAA as primary? The FAQ says
That makes it sound like I should claim with USAA and then let them subrogate. Is there any downside to doing this? If the car is totaled, can I recover any part of the cost of the newly rebuilt engine? It's less than two months old and represents maybe 40% of the book value of the car. What else should I be asking or looking out for? [link] [comments]  |
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