I have pathology reports from Hospital A that I received under a charity care arrangement. They are for dermatology. The reports revealed skin cancer and I needed surgery, but the hospital fused to allow me to use their charity care for the surgery I might be taking a low wage job to try and get private employer group PPO health benefits. But the plan would be with UHC. If I already have the biopsy reports showing biopsy #1, biopsy #2, biopsy #3, biopsy #4 are basal cells and they require Mohs surgery, do I still have to wait months to set up an appointment with a dermatologist and then WAIT for a referral to see a Mohs specialist? Forget about the prior dermatologist who did the biopsies. He works for a large healthcare system that won't allow him to refer me outside of their network. If I literally have the pathology biopsies, can't a potential UHC in-network Mohs surgeon's office use that? Or does UHC ppo private group plan insurance and the participating Mohs doctor under UHC insurance require another dermatology referral, which would mean I'd have to wait many months just for that and delay the surgery I desperately need.

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

I had previously had Geico insurance. I thought I was paying for collision coverage until I backed into a pole and made a claim and they said otherwise. So I proceeded to drop them and get Progressive. It's been, let's say a year since then and I haven't fixed the damage to my truck because I figured I couldn't make a claim to fix damages my vehicle had BEFORE I started my policy. Anyway two days ago my sister backed into a pole and it seemingly did no damage, then when I came out of work today I saw that the plastic cover of my bumper had completely fallen off. Can I make a claim to have my bumper fixed? I'm sorry if this is a stupid question or if I've done LITERALLY everything wrong.

I was rear ended in January and filed a claim with state farm The girl who hit me was in her fathers car which had state farm, liability coverage she has dairyland with full coverage. I am a State Farm customer (not after this) and was assured that this matter would be settled quickly. I was told by my first adjuster that my car was a total loss, since my car was newer that it would exceed her father’s liability coverage and they would open a claim with dairyland on my behalf to get the rest. They complete the estimate, do not contact me on what their assessments were and also changed my adjuster without contacting me whatsoever with my new adjusters contact information. I had to find this out on my own by calling after hearing nothing for two weeks after the estimate was complete. They said “maybe” my settlement would be 8k flat for reasons they seem to not be able to answer, they haven’t even offered me a settlement by this point. They said they valued my car at 11k. Which honestly would be a joke if it is 8k. I talked to my adjuster on Thursday and she is reading my information on my policy and for whatever reason State Farm has put that I have dairyland as my insurance on my claim. I feel at this point my claim has been handled with complete negligence and I am at a loss on what to do, I genuinely would like to move on with my life as this has caused me a lot of emotional and psychological distress. What are questions I could ask to understand this process more, or get traction with? Why would they open a claim on my behalf just to tell me to “do it myself” later on? I have never been in a wreck like this before so this is just another learning experience, but I do not feel as if my claim is being handled properly or correctly. Any advice would be appreciated, also please don’t be rude as I am already going through enough with this debacle.

Hi everyone, I got to this forum after seeing some "NW mutual life insurance is a scam" posts and i'm not sure if I got scammed. I was in medical training when a financial adviser told me about getting disability and life insurance.. with NW mutual... I'm 35 years old, very healthy, I pay about 87$ for 2M Term to 80 policy with no annual dividend. And my premium for disability is $110.. Looking for advice if I should switch to a different broker (if thats an option) or just general advice.

I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.

I’ve been with PetsBest for over 3 years. I started paying about $50 and last year it went up to $78. I thought it was due to my dog becoming a senior, so I didn’t complain. Usually I have one visit to the ER per year, so I thought it was worth it. Last year she had mayor surgery to remove some tumors, but I was waiting until the last minute to get it done as they were all benign. Last week I got a letter from PetsBest informing me that my new monthly premium is going to be $190! I called and even the rep was shocked about the increase, but now I’ve been shopping around and PetsBest is actually the cheaper option! I don’t want to drop them, as she is old and I’m sure I will end up paying less, even with the high premium, but there has to be some sort of control over this companies! This is absurd!

I opened a discover card in college and misused it. I am now trying to gain control of my finances and increase my credit score. I have minimal financial literacy from my parents but trying to learn now! On my credit report it does not show up as in collections just as discover ~$3,700 balance but closed (12/2022). My last payment was made 12/1/2022. I called discover and they said the balance has been marked as charged off and to reach out to Radius Global Solutions. I am not able to pay the whole amount right now but was hoping to enroll in a payment plan when I originally called discover. I could also pay some in a mass sum. What should be my next steps? Thank you in advance!

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

Car Came In Contact With Pedestrian Hello All, I would just like some community input. My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day. In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this? *Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route. I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS. *Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time. Thank you all for your input.