Insurance

#insurance · 21 voices

What people keep running into

Dental insurance fails to cover routine procedures (11 voices)
Insurance deductible increased without clear notice (1 voice)
Hidden credit card fees are hard to spot in statements (12 voices)
Unexpected large increase in car insurance premiums with little explanation (4 voices)
Parents fear fines and accidents from kids riding fast electric bikes (1 voice)

Voices

Finally called the insurance company back about the deductible thing from my son's stitches. Spent forty five minutes explaining that no, I did not understand at open enrollment that the facility tier changed, and no, nobody sent anything that said the words 'twice as much' anywhere in it. The rep…
maybe im overthinking this but my son got one of those fast electric bikes for his birthday and ive been reading all these stories about parents getting fined or worse when their kid crashes one of these things and now every time he leaves the driveway i check my phone to see if hes near a main…
My company moved everyone to a new 'flexible' health plan this year that technically costs less in premiums. Then my son needed stitches last month and I found out the actual deductible more than doubles what I was paying before, buried in a document nobody walked us through at open enrollment. My…
Does anyone actually understand flood insurance before a storm shows up or is everyone just winging it like me. There's a new system forming in the gulf and the news keeps saying it could hit our area and I only just now found out my regular policy doesn't cover any of it, there's a whole separate…
My car is nineteen years old and I just got my renewal notice, almost four hundred dollars more than last year for a car that is worth less than the premium itself. The agent could not explain why beyond general rate increases. Is there a site that actually compares quotes for older cars…
Insurance denied a specialist visit as "not medically necessary," even though my own doctor sent the referral. The appeal process is spread across five different PDFs on their portal, and they don't even match each other. Has anyone found something that walks you through an appeal step by step? I'm…
Car insurance renewal just jumped almost 40% from last year and the agent couldn't explain why beyond "rising costs." How do you all shop around or negotiate this down without guessing which company is less predatory this year?
Insurance denied a follow up scan because the first scan was "inconclusive." Which is, and I cannot stress this enough, the reason we needed a follow up scan.
Got a bill for a simple filling that included a SEPARATE charge just for using the drill. I am not joking. Has anyone successfully disputed something like this?
Spent four hours in urgent care for a kidney stone and the bill came to almost $4,500 after insurance. Is there anyone I can even call about this, or do I just have to accept it?
Dentist says I need a crown. $1,800 out of pocket even with insurance. I almost laughed out loud in the chair.
Insurance denied my claim for a scan my doctor ordered. Said it wasn't "medically necessary." MY DOCTOR ORDERED IT. Who do these people think they are?
wisdom teeth came out last week and the surgery center billed me separately from the surgeon and the anesthesiologist, three different bills for one hour. is this normal or did i get scammed somehow
Has anyone actually managed to negotiate an ER bill down? Went in for what turned out to be a bad stomach bug, in and out in under two hours, and the bill was almost $3,000 after insurance.
My hospital sent my bill to collections even though I was on a payment plan and never missed a payment. I found out when I tried to buy a car and my credit score had dropped 85 points. I've been on the phone for 3 days trying to sort it out.
got a bill for 1200 dollars after a routine cleaning turned into 2 fillings. wasnt even in pain before i went in. dental insurance is a joke
Just got a dental bill for $1,400. Before the procedure my insurance said it was "covered." Apparently covered means they pay 30% and the rest is on me. Nobody mentioned that before they drilled into my teeth.
Just watched footage of a neighborhood I grew up in, completely destroyed by flooding. Third major flood event there in 5 years. FEMA keeps denying the area federal disaster status. The residents aren't wealthy. They can't just move. And now insurance companies are pulling out of the state entirely…
Tried to book a GP appointment today. Next available: August 22nd. For a routine checkup. Not an emergency, but still. If something urgent comes up I'm supposed to go to urgent care which costs 4x more. The primary care system feels like it's designed to fail you.
My insurance denied coverage for an MRI my doctor ordered after months of chronic back pain. They called it not medically necessary. I appealed and they denied again. I cannot afford $1,800 out of pocket. Is there any real recourse here beyond giving up? I feel like the system is designed to make…
Got a $1,400 bill for a 20-minute urgent care visit. I have insurance. 🤯 The explanation of benefits makes no sense and every time I call to dispute it I get transferred and put on hold. The system is designed to make you give up and just pay.