Young and dumb.. Need help with insurance.. Insurance |
- Young and dumb.. Need help with insurance..
- Pharmacy told me prescription wasn’t covered, when all it needed was Prior Auth.
- Urgent Care clinic did not get prior authorization from my insurance company but pushed me into getting an MRI, now insurance won't pay. $2,400 bill. (Utah)
- Dual Auto Insurance, who should pay?
- My car was damaged at a car wash and the car wash is denying responsibility, is filing a comprehensive claim a bad idea?
- My own insurance is low balling me and they want to drop me to not fix my car
- General liability and Professional (E&O) for tiny therapy agency - questions!
- Got a phone call asking me to renew my benefits? Real or no?
- Car insurance with an accident 3 years ago
- Denied appeal due to not responding to original appeal asking for coverage for a surgery in X amount of days
- Still over a week away from a settlement check, and the at fault (other) party's insurance has cancelled my rental.
- [Recommendation] Which insurance should I go with?
- BI payment timeline?
- Drop down coverage
- Verfiy Subrogation Amount
- BB&T/McGriff?
- Car Parked overnight and came to damages the next day.
- (VA) Help/advice needed on how to deal with insurance after being rear ended
- Does asking your insurance company a question affect premium even without claiming?
- Is it inappropriate to contact the witnesses of a car accident to prompt them to respond to the insurance adjuster?
- Insurance wants to total out barely damaged car! Please help!
- Insurance rescinding approved payouts
- Tried to switch car insurance companies, was quoted, then told that my non-driving partner must be included on the policy.
- Travel insurance: Are we being bamboozled?
| Young and dumb.. Need help with insurance.. Posted: 08 Feb 2019 01:13 AM PST So basically i would like to know how to get insurance for me and my spouse but ive been having some trouble finding a reliable source. Ive talked to a few companies but i keep recieving life insurance plans. I need something that will help with adhd that has been untreated for the last few years as well as being able to go to a basic doctor visit for both me and my lovely spouse. Where the hell do i find a good plan? Im 28 and have been uninsured for awhile now and id really like good coverage. I dont need top of the line insurance but i do need some guidance with this issue.. My spouse and i have good paying jobs but neither of us are covered through a work plan. I apologise for my lack of insurance understanding but i am new to this and id like to get this sorted out soon.. Any information would be greatly appreciated. I live in washington state if that helps in anyway. TIA [link] [comments]  |
| Pharmacy told me prescription wasn’t covered, when all it needed was Prior Auth. Posted: 08 Feb 2019 12:50 AM PST Hi, Please excuse any formatting issues as I don't tend to post on Reddit much but I'm really frustrated here. So, I had a prescription for an accutane generic sent to a pharmacy near me (in Florida). The first time was in November 18, for a 30mg supply. The pharmacy called me and told me it was $150. I knew this drug was pricey and I needed to fill it within a certain time period (accutane and I pledge rules), so I payed it. The second time in December, they charged me $300 because it was 30mg twice a day. I asked them why it was so much, was there a problem with my insurance? (I have united healthcare through my employer). They told me that they needed a prior authorization from my doctor. This was after I already paid. So, I called my insurance and my doctor. The insurance confirmed that it was covered with a prior authorization and I should've only paid $30 copay. They did not receive any claims from the pharmacy. I called my doctor and they told me they also received no claims from the pharmacy. I got these answers after being sent in circles by all three businesses blaming each other. So I've been trying to educate myself about prior authorizations and whose fault it may have been. It is my belief that the pharmacy failed to advise me as well as my doctor of the the prior auth needed. They didn't help me at all, and won't answer my emails asking for the pharmacy receipts. If I can get these receipts I can submit my own claim to my insurance. So basically my questions are: What can I do? Who is at fault here? I know I shouldn't have paid the full price but honestly I didn't know. Is it the pharmacies place to advise me or at least try to work with my doctor? They are saying there's nothing they can do, but it WAS covered. Sorry for the ramble. Any advice helps [link] [comments]  |
| Posted: 07 Feb 2019 05:58 PM PST TL;DR In-network doctor didn't get an MRI preauthorized. This was an urgent situation as I was in extreme pain and couldn't sleep/work. They told me they were working on the preauthorization but didn't follow through. They billed me 8.9% of the MRI bill which I thought was my insurance adjusted rate. Total bill is almost $2,500. Turns out this amount is not an insurance adjusted in-network bill but I didn't know that at the time. Getting preauthorization for an MRI is a VERY STANDARD THING and DOCTORS KNOW THIS and the doctor and his nurse TOLD ME it would be take care of. But somehow it didn't happen and I was railroaded into the hospital's MRI machine as I was desperate to find out what was wrong after being in agony for 6 weeks. Insurer refused payment because preauth wasn't requested, and also they claimed it wasn't medically necessary (which is BS). Am I really on the hook for this bloated MRI bill? I feel like I'm being robbed. Are patients really responsible to micromanage their doctor's billing practices? Can I take the hospital to small claims court? My insurance would have paid for SOMETHING had they been involved from the beginning, up to an MRI if it was truly necessary, and I would only have been out of pocket maybe $100-$200. I am having the hospital look into this as well to find out what happened on their end and how they screwed this up. Long version: In August I had terrible pain in my shoulder and numbness in my arm. Out of the blue. No clear cause. I couldn't sleep, could barely work. Went to the Urgent Care clinic at the hospital. They are In-Network with my insurance company. Xray was done but wasn't definitive as it was either arthritic growth or a bulging disc pushing on this major nerve on my upper spine. Doctor prescribed an MRI for a better picture. I had checked my insurance plan and knew MRIs and other imaging procedures needed preauth from my insurance company. Doctors also know this issue all too well for well over a decade. I said something to this effect to the doctor/nurse (I can't remember exactly as this was back in September) if they were taking care of it. I was told "Preauth is normal and will be taken care of." Then I got a bill for 8.9% of the overall bill that was my responsibility. So I paid it thinking that was the negotiated amount and my share of the bill. It wasn't until much later I realized I hadn't gotten anything from my insurance company where they would have adjusted the bill down from the IMMORALLY OVERPRICED MRI rate that the hospital charges. FML. Anyhow, the day after paying what I thought was my share of the adjusted amount, rather than what it really was, which was the overpriced hospital rate, I had the MRI done. This was 8 days after the initial urgent care visit. My insurance company say in their plan they will turn around urgent care preauths within 72 hours. So the hospital had plenty of time to get the preauth done. It was only after the MRI that the hospital submitted the claim for the MRI to my insurer. A few weeks later both I and the hospital got a letter saying the insurer wouldn't pay. They gave 2 reasons. The first is that prior authorization wasn't requested by the doctor. The other reason was they disagreed and that in their view it wasn't medically necessary. Apparently retroactive preauths are granted in a lot of cases, but my insurance company wouldn't budge on this. The other issue is they said it wasn't medical necessary. So I got the reports from my doc showing why it was necessary, but they denied after a 2nd appeal. I have one last step I can take on appeal to the federal govt but I am still troubled that the doctor didn't get this preauthorized. It seems like basically this is billing negligence on the hospital's part and I don't feel like I should be responsible for the balance. My insurance is very good and would have paid, whether or not they directed the doc to different care at first before going to an MRI but the hospital failed to involve them. I see some people negotiate a lower rate with the hospital in situations like this, but that doesn't seem fair as I have insurance and this shouldn't even be an issue. The hospital is looking into what went wrong on their end and I am expecting to hear from them shortly but I doubt they will take responsibility for what they screwed up and tell me they are going to eat the bill. [link] [comments]  |
| Dual Auto Insurance, who should pay? Posted: 07 Feb 2019 03:59 PM PST I recently left an insurer, they don't allow you to cancel online, i called and left messages with my agent to cancel the insurance. They never called me back. I switched to a different company that offered me a better rate. Well, come today i spun out on the highway and hit a concrete barricade and damaged my vehicle. I called my new insurance to file a claim and we get to the point where he sets everything and will call me back if necessary. He calls me back with a 3 way convo with an agent from my former insurer. They tell us that the policy is still active, as in they are currently insuring me even though I haven't paid them for the next six month interval, but in cancellation status. then the 3 way ends and it is just me and the new insurer. He is telling me since my old policy is technically still active they will pay for the damage. I say well you our my insurer and I filed this claim with you, so where do we go from here. He tells me he has to turn this case over to a person who handles dual insurance cases. Now we are at EOD. I'm just wondering if any of you know anything that could help me in this situation. Do they split the cost? Haggle over who has to pay while I'm out a car? Any advice would be much appreciated! [link] [comments]  |
| Posted: 07 Feb 2019 05:03 PM PST As the title states, my car was damaged at an automatic car wash, I exited the wash and went to the vaccuum bay and found deep scratches that were varying but large 5-6 inches in length, and removed the actual paint of the car. I immediately filed a report with the car wash but the car wash is saying it's impossible for their brushes to damage cars. https://imgur.com/a/AD1u3i4 this is an album that shows the damage, I have damage to the middle of my hood among various other places, my passenger side door, and my trunk. Would my insurance rates increase for filing the claim? I would also be extremely appreciative if someone who maybe works with claims to comment as to whether or not the damages shown do in fact correspond to automatic car washes if you've dealt with claims like this. I had damage from door dings and everything else on the car and made sure to tell the car wash company those specific scratches were not the result of the wash, but they are saying NONE of the scratches are their fault. [link] [comments]  |
| My own insurance is low balling me and they want to drop me to not fix my car Posted: 07 Feb 2019 05:04 PM PST Hi, I was hit by a speeding unlicensed driver on the highway and at first I tried going through the person who hit me insurance but that's taking too long so I made a claim with my own insurance progressive thinking it would get my car fixed fast. Instead I been put through hell with them because they are fixiated with the fact that the accident happened out of state and that I'm lying about my garaging address. To prove I'm not I given them an internet bill I pay for my room, my bank statements for 8 months I believed in this state and all my ez pass records for the month but they still don't believe me and have assigned two investigators to basically follow me around all day long and they have also showed up at my work and at my mother's home to ask if I live there and where I live. Idk what else to do at this point. I'm stressing like crazy, I just wanted my car fixed but now I got into this huge mess and if they do drop me it's gonna be super hard to find another carrier because this single no at fault accident has someone made my insurance rate spike like crazy at other companies. I can't lose my car, if I do I won't be able to work and then my life is just gonna start falling apart. The accident happened near my mother's house in NY long island and I live in NJ. Does anyone have advice for me ? [link] [comments]  |
| General liability and Professional (E&O) for tiny therapy agency - questions! Posted: 07 Feb 2019 01:29 PM PST My particulars: Operating in Texas. We provide home health occupational, physical, and speech therapy. I have only two therapists who are W2 employees - myself, an occupational therapist, and a speech therapist. I have one other W2 employee who is not a therapist. I have 7 other therapists who are independent contractors. All of my therapists - employed or contractor - are required and do carry their own professional liability/malpractice policies. My question(s): What should I be looking for in terms of a policy for the company itself? I'm thinking I need general liability and professional/E&O coverage. Should I list/include all the therapists, or only the employed (W2) ones? I have come across several insurance companies who provide coverage for OT and Speech but not for PT. If I don't need to list/insure my contractors, then I could go with one of those right? Any advice would be so so appreciated! Thank you! [link] [comments]  |
| Got a phone call asking me to renew my benefits? Real or no? Posted: 07 Feb 2019 01:07 PM PST I'm 20 years old and am on my parents insurance which is united healthcare. We got a phone call with an automated voice saying they are calling me to renew my benefits. Is this real or no? Wouldn't i get a letter or something? [link] [comments]  |
| Car insurance with an accident 3 years ago Posted: 07 Feb 2019 08:28 PM PST so im looking for car insurance since I have a car now, but i was in a car accident in december 2016 against another car. the damage was pretty minor on my end, but I was never informed about the damage on the other car? If insurance was never perused by either parties due to a plea bargain and the other people not caring too much about it what should I do when my insurance asks if the damage cost more than $750? [link] [comments]  |
| Posted: 07 Feb 2019 04:28 PM PST I had a surgery back last year which was not covered by insurance after having submitted an appeal. I chose to go forth doing the surgery using care credit. I recently hired a medical bill advocacy agency but we just got denied after the company (UHI) said it was past the amount of time to respond to original appeal..? Can this be argued as a new appeal since the first was prior? Does anyone know a good company that argues coverage? Thanks! [link] [comments]  |
| Posted: 07 Feb 2019 07:29 AM PST I would think they would need to provide the rental until I had been reimbursed. How am I supposed to buy a car without the money? I was told by my adjustor that I only get the car for 2 days after the claim is "complete" on their end, which is once they determine the car is totalled. Meanwhile, I still have no car. The claim doesn't feel complete to me. Do I have a leg to stand on? What can I say? Thanks! [link] [comments]  |
| [Recommendation] Which insurance should I go with? Posted: 07 Feb 2019 07:04 PM PST I know I have to looking around, but I'm so tired. And the two I already have is not helping with showing all the details of what's on the plan. Allstate got the options for price but don't expain what you get with it. Like there's minimum coverage. So is that liability because it's minimum or is it Comprehensive because im bundling with renters insurance? Progressive doesn't even give me 1 quote. Not only give me 2 separate quotes, they don't explain what I'm getting either. Ive never had to submit a claim and my first renters insurance and bundling. 24M [link] [comments]  |
| Posted: 07 Feb 2019 07:29 AM PST Hey I was wondering if anyone can give me some insight. The at fault party's auto insurance agreed to a payout last Friday and the adjuster emailed me asking if I was satisfied with the amount. If so email her back with a Yes and she will send me the paperwork to notarize and then cut a check when she gets it back from me. I emailed her back Friday an hour later telling her I agree and send the paperwork. Now almost a week later she hasn't followed up. I called Tuesday to remind her I am good and she said she'd send it on over. Thursday and still nothing. I don't want to keep calling and have her feel like I'm harassing her! Is there a timeline where Gallagher Bassett adjuster has to have this finished and get me the paperwork? I don't want to keep pushing and have her put me at the bottom of her list or anything. What is typical? Thanks! [link] [comments]  |
| Posted: 07 Feb 2019 05:57 PM PST Does a SIR need satisfied when you have drop down coverage, or is drop down coverage another way to say a policy is "sitting excess" over another? [link] [comments]  |
| Posted: 07 Feb 2019 05:48 PM PST Long story short - I was under insured in an accident, and received a letter on January 11 from Consumer Collection Services asking for a ton of money. I have called twice asking for documentation supporting the amount they claim I owe, but have received none. I realize I have 30 days to request in writing the documentation - does that request have to be *postmarked* or *received by them* within 30 days of their first letter to me? Also, is it possible I missed their first letter, and my 30 day window has already passed? Any way to find out? Thanks for your help!! [link] [comments]  |
| Posted: 07 Feb 2019 05:00 PM PST Has anyone used them for personal auto, home, umbrella, ect? If so how are the rates, service, ect? Do they issue the policy or are they just reselling another company? I like having one number to call when there are issues/questions. [link] [comments]  |
| Car Parked overnight and came to damages the next day. Posted: 07 Feb 2019 08:51 AM PST Car insurance is claiming that the report doesn't consist with the damages on the vehicle. They asking me to send pictures of the car damages before it went into a shop. I sent them three pictures and now they saying they need more pictures. Somehow the insurance is claiming that they can see I took more pictures on my phone that time and claiming I'm hiding more pictures from them. I don't know how they can see that I have more pictures and if they violating my right to privacy. What should I do. The car was really hit while parked. My Shop had to pop the broken light out so now there is more damage on the car then it is and I'm worried the claim might get denied. [link] [comments]  |
| (VA) Help/advice needed on how to deal with insurance after being rear ended Posted: 07 Feb 2019 04:19 PM PST 2 weeks ago while waiting at a light, I was rear ended by the van behind me. I filed a claim that day and the claim bounced around for a week, and now I got the answer below: The response I have received back is that they have no employee by that name. This claim may not have anything to do with my client. We continue to search so we are doing our due diligence. There is the possibility that the person driving this vehicle and the vehicle itself, may not be insured with my client. I'll keep you posted. If you need immediate resolution, you should mitigate your loss by calling your own insurance carrier asap. Back story: I had police on scene who got my information and his, and told me I'm good to go, to call the insurance he gave me and go through the process. The guy was driving a company vehicle, contractor for AT&T. When I called the insurance, I was told a 3rd party handles those claims and to call them. I called them and filled the claim. 48 hours later, they still had no idea about my claim and to call supervisor. After talking with one supervisor, I was refereed to a different supervisor that is in charge of my claim and where it was sent. After finally getting in contact with him, I was told he's waiting for his client to get back to him and to open a claim (which I don't understand why they need to do that since they have no interest in doing it). I sent the police incident report over and today I get the answer that the driver and van may not insured. What can I do at this point because I'm not at fault and my own insurance wants me to pay a deductible. Even worse, I just purchase my car, a 2019 model, in just over a month ago. I need advice please. You'll know so much and reddit always helps out when needed. Thank you very much [link] [comments]  |
| Does asking your insurance company a question affect premium even without claiming? Posted: 07 Feb 2019 03:32 PM PST I have a chip in my cars windscreen and I called up my car insurance company to ask if claiming on this would affect NCB or premiums. They said that it wouldn't affect NCB but may affect premiums when renewing. As I was speaking to a friend about this they said that simply asking the question will increase my premiums as they will log it anyway. Is this true, have I just screwed myself over a bit for no reason at all? [link] [comments]  |
| Posted: 07 Feb 2019 03:13 PM PST I got into a car accident when a woman ran a red light. My car hit her car. The woman at fault is now saying that she had the green light so there is a liability dispute, which the woman's car insurance adjuster is currently investigating. I have two witnesses. The adjuster has contacted both of them. One witness requested the adjuster email her instead of calling her, saying that then said she would provide a written statement. I'm not sure what's happening with the other one. It has been about two weeks since the adjuster contacted them and neither has provided a statement yet. I'm getting worried about their lack of response. I have both of their phone numbers and I know where one of them works (he's a security guard at the intersection where the accident happened). Is it super inappropriate (or could it mess up the claim) if I texted them and asked (gently) that they provide statements to the adjuster? Thanks very much for your input. ps. After all of this, we're definitely getting a dashcam. [link] [comments]  |
| Insurance wants to total out barely damaged car! Please help! Posted: 07 Feb 2019 01:28 PM PST My husband got into an accident a couple of weeks ago. The accident was not his fault. Someone ran into the rear passenger side door area. All doors still work. There is just a large dent over the wheel well and on the door a bit. The gas gauge issue light is on, but it still takes gas and drives fine. Our insurance is with Geico and so was the other drivers'. Geico told my husband to take it to the body shop and they'd give us a rental while it was being fixed. Now we get a call from Geico saying they are going to total out the car. WTF? This is a 2016 Chrysler 200. It was in perfect condition prior to this. We only bought it two years ago, so there is a very good chance we owe more on it than it's currently worth. To make matters even worse, this is our only car. Shopping for a new car takes time and a whole lot of patience. This isn't even the right time of year to get the best deal. Being forced to buy fast is a terrible position to be in. And we won't be able to buy at all if the amount they offer us is less than we owe. We also cannot afford to just keep using a rental. I read that the best way to prevent a totaling was to talk to your own insurance company and let them advocate for you, but we have the same insurance company! This is bad. Really bad. I have no idea what to do and I am scared. Please help. [link] [comments]  |
| Insurance rescinding approved payouts Posted: 07 Feb 2019 01:25 PM PST TLDR at bottom This has happened twice now. Just a little background, I am 23 and on both parents' insurance. They are divorced and do not communicate. My dad is primary and mom is secondary. I live in Michigan. Both instances involve insurance saying they will cover an elective procedure that I would only have had done IF AND ONLY IF they were covered. First incident Dec '16 I got an iud that was fully covered by my insurance, according to my doctor. Two months later, the bills for these procedures ($1240 and $147) show up on credit karma as having gone to collections. According to the hospital, insurance paid out, then revoked payment "for some reason." I had no idea and would obviously have dealt with that immediately if I had known. Not to mention, my dad is now claiming he never had insurance even though I distinctly remember him getting the bill and calling to yell at me for using his insurance to get birth control (big time unmarried sinner over here with my bf of 7 years...) lol maybe I'm crazy, maybe he's gaslighting me..who knows. Anyway... Second incident Fall 2018 I had panoramic dental X-rays at my normal dentist after the dentist received a pre-approval letter from my insurance stating the X-rays would be covered. Now, insurance claims that my mom misfiled paperwork and I actually wasn't covered, so they will no longer be covering the appointment and I am responsible for the $700 bill. I don't have this money because I didn't budget for it since I was told, by insurance and the doctors' offices that the visits were covered. And on top of that my credit score tanked 40pts. How is it legal for insurance providers to rescind payments like this?! Am I missing something here? I don't know a ton about insurance, admittedly, but I feel like I'm doing very reasonable things and getting very screwed... TLDR; insurance says they'll pay for a procedure, so I go ahead with it. They pay, take back the payment, and I get the bill. How is this ok?? [link] [comments]  |
| Posted: 07 Feb 2019 12:59 PM PST I am currently insured, but paying too much, so I called a new company for a quote. This company is vetted by my union and by the end of the phone call, I was quoted at hundreds lower than I already pay. The guy asked all kinds of questions about who I live with, who else drives my car, etc. I live with my girlfriend, who is a licensed driver, but chooses not to drive. He swore up and down that he just needed her info for the file and that she wouldn't be on the policy. Next day, I get an email from him saying that, according to state law, she does actually have to be on the policy as a part time operator, which also doubled the quote I received the day before. I've never heard of anything like this, and it definitely sounds fishy. At this point, I've declined to make the change, but am concerned about a lapse in coverage due to the fact that we proceeded with the change as of yesterday. Why would my girlfriend have to be on my policy just because we live together? She doesn't drive. [link] [comments]  |
| Travel insurance: Are we being bamboozled? Posted: 07 Feb 2019 08:52 AM PST I'm very frustrated right now, and I hope someone can help. In October 2017, my husband and I traveled to an all inclusive resort in Mexico from our home in Iowa. We booked the trip through a third party website that allowed payments in installments with no interest or fees, and included a travel insurance policy that cost $275.00 (our health insurance doesn't cover out of the country expenses). Halfway through the trip, my husband became ill (nasty ear infection) and required the resort doctor. We happily paid the $880 for treatment so the rest of our trip wasn't ruined. We have been trying to get reimbursement from the travel insurance company since. We have jumped through many, many hoops: first, they only wanted the receipt from the doctor, which we provided. Then they needed a denial of coverage from his primary health insurance, which we also provided. Next, they needed a copy of our credit card statement showing the payment to the doctor. Done. Then they wanted proof that we paid for the trip - including the insurance fee - through the 3rd party site. Done (we sent them copies of our itinerary showing "paid in full"). Now they say they never received the $275 payment and that our card was declined for the charge. We never received notice of a problem, and regardless that fee was included in what we paid to the 3rd party. The insurance company wants copies of our bank statements showing the installment payments. I'm uncomfortable with this, and don't see why it's necessary. We paid that money to someone, and if for whatever reason the policy wasn't valid, at the very least that fee should be refunded. Right? I just don't know what to do next. Do we escalate through the insurance provider? The 3rd party? Both? It's been months now, and I'm tired of the run around. Tl;dr: took out a travel insurance plan, got sick, they are giving us the run around and won't pay. What do? [link] [comments]  |
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