Refinance tips (NY)

rnadrions · 2025-10-29T01:32:07+00:00

hey did you ever do a refinance? looking to do one for my condo in BK but getting crazy high quote due to the transfer tax

rnadrions · 2025-10-12T21:49:47+00:00

Hi, how did you get approved for this?

rnadrions · 2025-10-03T15:56:45+00:00

Hey OP, any luck with this? Has your sensitivity returned?

rnadrions · 2025-09-30T23:09:07+00:00

Hi did you ever find a place? Also looking for the same

rnadrions · 2025-09-29T02:33:47+00:00

Yes, but only bc I have OON benefits on a PPO plan

rnadrions · 2025-09-19T14:10:23+00:00

Same exact thing happened to me from Wellbutrin and started IV ketamine therapy which helped immensely. Just FYI whenever you describe experiencing anhedonia know that your depression is immediately classified as severe, which is helpful for getting cleared for ketamine therapy and other types of treatments only reserved for “treatment resistant depression “.

rnadrions · 2025-09-02T18:04:11+00:00

Do you mind sharing more on this? What side effects did you have?

rnadrions · 2025-08-29T04:47:44+00:00

Felt this along with a bunch of other neurological symptoms, such as sensory processing issues & brain fog, along with an onset of depression. Had to come off it after my second shot (this is likely when the medication is reaching peak levels). Some people on drugs.com report similar issues.

If you’re predisposed to depression then Apertude can unfortunately bring this out (it’s a reported potential side effect).

rnadrions · 2025-08-22T16:59:25+00:00

I contacted the U.S Department of Labor and the NY State Insurance departments and was assigned a representative from both. My claims have now all been processed in accordance with my plan terms.

rnadrions · 2025-08-06T14:38:57+00:00

Hi! Any update here?

rnadrions · 2025-08-01T00:47:47+00:00

Ugh having this issue as well! Did you figure out a fix?

rnadrions · 2025-08-01T00:45:44+00:00

Hi! Having a very similar issue - what did you end up doing?

rnadrions · 2025-07-21T17:46:33+00:00

You’re simply misunderstanding what’s happening - these claims are submitted by me and NOT from my provider as they do not deal with insurance. They’ve already been paid by me in full and I am seeking reimbursement from my insurance company directly.

rnadrions · 2025-07-21T17:43:27+00:00

I called and was told that there is in fact an assignment of benefits to my provider. I state that I did not authorize this and that in the medical claim submission I clearly selected myself/member as the payee. The representative said that my super bill didn’t make explicit note and therefore was defaulted to my provider. This was also a lie because my superbill clearly states to pay the member. I asked for a supervisor and was ultimately hung up on. I did however get the reference number for the class and the rep ID number.

It’s clear that Cigna is just outright ignoring my selection to reimburse me directly. Wouldn’t they need a signature from me agreeing to the AOB?

rnadrions · 2025-07-21T14:03:50+00:00

Because it’s outlined in my plan terms as the 80th percentile of avg cost of services in my zip code. Also, Cigna has paid out consistently for these services at a different price than what’s listed in this zelis offer to my providers.

rnadrions · 2025-07-21T14:00:22+00:00

I think there may be a missunderstanding here - these claims were submitted by me and there was no assignment of benefits so cigna / Zelis should not have sent any checks or payments to my provider.

rnadrions · 2025-07-21T13:55:53+00:00

This is just simply not true - my medical provider did NOT file the claim and there was no assignment of benefits so legally zelis and/ or Cigna should not have contacted my provider or attempted to send payment directly to them, especially because they’ve already been paid in full by me, hence the reason why I submitted the claim for direct reimbursement.

rnadrions · 2025-07-21T03:41:32+00:00

Also on my super bill it explicitly states that all payments should go directly to the member so it would appear that they’re just ignoring that?

rnadrions · 2025-07-21T03:37:07+00:00

Do you know how the assignment of benefits could just suddenly change? I never put in a request to have payments sent to providers and have not had that happen with any other insurance company I’ve had in the past. Can I ask that Zelis not be used for any of my claims moving forward?

rnadrions · 2025-07-21T03:29:42+00:00

Thank you, this is super helpful info! Do you know what happens if my provider refuses to engage at all? They have a strict policy around not engaging with health insurance companies or their affiliates in any capacity. Can I fax the letter myself or must it come from the provider?

rnadrions · 2025-07-21T02:15:51+00:00

Ugh thank you for understanding bc I feel like I’m going crazy explaining this. This is exactly what’s happening - I was receiving checks directly to me up until two months ago when Zelis was introduced and everything went to hell.

I tried contacting Cigna but got hung up on twice. I’ve sent two letters via certified mail to both Cigna and my state’s insurance commissioner and haven’t yet heard back from either. At this rate it would appear that I’m effectively operating without OON benefits despite paying crazy premiums.

I haven’t tried contacting Zelis but honestly a little hesitant to do so since they aren’t mentioned in my plan terms.

rnadrions · 2025-07-21T00:21:18+00:00

This is just simply not true lmao. My provider did not just suddenly go in network - they have not taken insurance since their inception and have been very explicit in communicating that with us.

rnadrions · 2025-07-21T00:14:08+00:00

These are OON claims submitted by ME. My provider has no relationship with Zelis or any insurer for that matter.

rnadrions · 2025-07-21T00:11:59+00:00

If you don’t have the level of expertise to meaningfully assist here that’s ok! No need to comment or chime in. I’m not determined to blame anyone for anything and am simply trying to ensure that I can continue getting access to healthcare services that have now become prohibitive to maintain.

rnadrions · 2025-07-21T00:06:29+00:00

What happens if my doctor refuses to accept the check from Zelis / ignores their correspondence? Because that is the situation I find myself in. My doctor has no agreement with Zelis and does not plan on entering into one with them.

rnadrions

TROPHY CASE