Hi, I'm trying to reduce the chances that the insurance company not counting the copay card payments toward my deductible or out-of-pocket maximum. Does using their specialty pharmacy make that more likely? In other words, are they more likely to side with the insurance company? I'm with Anthem through the exchange, and their specialty pharmacy is Carelon. I read that accumulator programs have been banned in Nevada starting in 2025, but even the representative I spoke with at Carelon said that's not the case. thanks Matt

A friend is in a fix - seeking to get some expert's thoughts here: Is there an option to close 403b? who to ask? Should it be the company (Fid in this case) or the benefits team. unfortunately he worked for a short term in a school summer position and saved 400$ in 403b. did not know that there will be a fee of 70$ charged every year ( ridiculous amount ). No longer doing the job but will be a student another few years. Fidelity says benefits has to terminate the employee status and only then funds can be taken or account closed. benefits say they can't terminate until he remains a student, even if not doing the summer job. The balance now is 330$ :( He's quite upset understandably. Pretty soon will come 0 if no action taken What are his options? Fidelity chat isn't helpful and say cannot close since he is still active in status. It is a mistake hoping to save, without realizing the fee unfortunately. Any thoughts or suggestions? Thanks

**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

I am getting some MRI's done at a outpatient facility and wanted to get an estimate by my insurance on my copay. My insurance asked me to get the NPI /taxid for the radiologist that will be doing the MRI so they can get the best estimate. I have BCBS I contacted the outpatient facility (NJ imaging network), and they gave me an NPI number but thats the NPI nubmer of the facility. I asked for NPI number of the radiologist, but they said that they bill under the facility, not the radiologist. How am I supposed to get an accurate estimate here? Also by "provider" billing I mean physician billing

Hey everyone, I'm currently living in CA and am on an Anthem Select HMO through my employer - my entire family (wife, daughter, me) are covered under this plan. My wife is currently pregnant with #2 due in September. However, my family will be moving to Pennsylvania in a couple months, and I will likely be staying with my same employer/plan (this is still to be confirmed but seems like it'll be the case). However, the Anthem Select HMO does not have coverage in the area we will be moving to, but the company also offers PPO options that do have coverage in the new area. Will moving across the country, at which point my coverage would essentially be lost, count as a qualifying life event and allow us to switch to the PPO coverage? I tried to reach out to the insurance company, but they said they can't make that determination. Is it a state requirement that determines it? If so, would it be CA state or PA state that would take precedence? I'm waiting to explore further with my company until it's for sure that I'll be staying with this employer as we're kind of keeping it on the hush-hush until it's official. Curious on your guys thoughts.

Location: Oklahoma Long story kind of short, I was in a car accident on Oct.4th, and the other party was at fault. At the scene they acknowledged they were at fault and their insurance looked up to date. At the moment, I felt that calling the police for a report was not worth the hassle, a mistake I know now. While at the scene the driver was on the phone with their mother and told them they were on their phone at the time of the accident, which she later denies. Additionally the drivers mother wanted to speak to me on the phone and was very adamant not to go through insurance and that they wanted to pay out of pocket, which I refused, I didn't think much of this comment in the moment but is important later. I filed a claim with the insurance they provided and a few days later they told me they were not insured at the time of the accenet. My father reached out to the drivers father as he is the person on the title of the vehicle, and this is when we found out the drivers father is the Chief of Police for a small town bordering my city where the crash occurred which is in the same county. At this point we were given updated insurance from the driver and I made the claim with their insurance, which was denied as they were denying what happened at the crash. Some context to add to this is that this was a new driver and had their license for only about a month and were 16 and were heading to their first day of work at their new job. I filled with my insurance who sent it to arbitration, and it was radio silence for 4 months and they would not even return my calls, thanks Progressive. I called today and told them I need an update today, and the new rep I got was amazing and told me everything I needed to know and they should have told me months ago. Arbitration determined the other party was at fault, which was obvious from the damage, and they were not insured at the time of the crash. So it turns out they tried to buy insurance right after the crash and did not tell anyone. Progressive wants to send them to collections to get some of my deductible back, but I would like to get my full deductible and loss of value (at the minimum). So my question is is small claims court enough for the $2k deductible and $2k loss of value, and do I need a lawyer? I have already waited 6 months, and while if I need a Lawyer I want them to get paid, but I feel like I shouldn't have to pay legal fees for this especially due to the criminal behaviour on their part.

I have every option that was offered with Aflac through my job. What type of things can you claim? I feel like they are so vague on this. I’m trying to get money back for things if I am able. I haven’t had any SERIOUS hospital stays or such. But I know you can claim yearly for annual physical, also for pap smear under cancer screening to get money back. Not trying to scam or anything but it seems that unless I am dying or stay in the hospital then these policies don’t pay anything. Anyone know the ins and outs? Because at this point I’m just paying a lot to have a policy.

I have Liberty Mutual I pay $364 I’m getting a new car and they want me to pay $600 any guidance on who I can try to get the new car insured through? It’s a 2021 dodge charger scatpack. i’m 24

Location, North Carolina Our family has a marketplace health plan with Blue Cross. It includes free dental for children under 18. I bought a marketplace dental insurance for my husband and I but didn’t include the kids because they had the free dental on the health plan. I have been trying to make dental appointments for the kids, and of course, there is a very limited number of dentists on the list that are in network. I have called a couple to make appointments and I keep getting told the same story. Blue Cross completely ghosts the dental office when they try to submit claims so the dentists won’t bother billing them anymore. If I had known this, I would have just added the kids to the dental policy I purchased for my husband and myself. Of course open enrollment is over so it’s too late now and they haven’t really had a change in circumstance except that their coverage only exists on paper and is impossible to use. Now my only option is to pay out-of-pocket for their dental care. Anyone else experienced this? What are my options?

Location: Virginia I use Choice Home Warranty (I didn’t realize how scammy home warranty companies were until recently, so please don’t comment about that). They are requiring I pay a portion of a repair because it’s considered a “modification.” I pointed out that my particular policy covers up to $250 of modifications, and they are saying that that $250 was applied to a previous repair and no longer available. However they will not provide me any written documentation or the recording of the phone call where they stated this. Do I essentially just have to trust them, or are they required to provide proof?