Medical insurance biller resume objectives

I’m in baby step 2, and my employer sponsored health care is terrible. He brags about paying for our premiums 100%, but the plan is a joke. For instance, I went to the doc to get a mole looked at, and that visit cost me $130. Blood pressure medication: $15/month. Went to an orthopaedic doctor for ankle issues: $450. Went for a “free” yearly wellness visit, told the doctor I needed a refill on my BP meds. And because of that, it got billed as a normal doctors visit. $120. Normal filling at the dentist: $380. This has all been in the last 4 months, and I have some more health concerns that I’m trying to ignore for now. I don’t seem to qualify for any subsidies to get my own insurance from the marketplace, so that would be multiple hundreds of dollars in premiums every month. I just don’t know how to navigate this while trying to get out of debt, but only racking up more medical debt. What do I do?

I seem to be stressed out all the damn time. I work full time, not moving anywhere it seems no matter how I contribute. Go to graduate school I starred a few years ago. I have an assignment due in a few hours and I'm just straight up stuck. I ended up with pets I don't even want that I need to take care of. I've got people in my life who need me, always need some sort of help or comfort and I'm not even good at comforting people. I'm in debt and every time I seem to pay something off something else happens and I'm strapped for cash again. Just switched medical insurances and have to deal with deductibles for the first time (I don't know how everyone else does it) and now I've got massive medical bills just from a single er visit that I don't know how to pay. My lawn is a mess and so is the house because most of my time goes to work and school. I could drop from school but I've only got 2 more years to go, would seem like a huge waste. I never finish any of my personal projects. I barely have time to sit and relax, I get about 2 hours a day for down time, maybe. I have trouble sleeping so I'm always tired. I'm trying to make friends online because of the convenience but people online are so fickle, one has gotten close but now I barely have time to chat with. I feel like I'm drowning here, I'm usually so positive or at least not worried but years of suppression have put me in a place where I don't know how to cope anymore. I'm so done with everything.

As women, we all know the pressures of the biological clock. I am very aware of the fertility decline in my 30s, from when I first started reading medical books as a kid. I have had people tell me in a condescending way by a conservative man online how "I know you're a naive young woman, but if you don't prioritize being a wife and homemaker you will die alone in a big sad empty house."
Personal anecdote:
I had a massive fear of "dying alone" for many years, and borderline obsessed over it, picturing myself as the "cat lady" stereotype surrounded by empty wine bottles. I planned to get pregnant at 18 as a teenager so I could "immediately have an insurance policy against dying alone". This lead to a LOT of pressure in dating. I remember when I had my first breakup it led to self harm and a mental breakdown and a fear of never loving again. We never slept together but already I had been planning our wedding.
Then my next relationship was a lot healthier, but it was still a lot of pressure for us to hurry up, get a place, get married, and have kids in my mind. He was very sweet but not sure about commitment, and it was a few years of wasted time.
I then really freaked out, and started dating a guy I wasn't sure about. He was depressed and mentally ill but I was so desperate to hurry up and get married. I also didn't want to be a "picky woman who only wants perfect guys" and wanted to give him a chance. He ended up being emotionally abusive, no matter how much I tried to act like a traditional woman to get him to marry me. I did everything I could because I was so desperate to not "end up a cat lady" and "reach 30 and have my eggs dry up"
He harassed me online for two years after our breakup, and teamed up with an ex best friend who was mad I cut her off due to her controlling nature. He later apologized but it was heavy amounts of stalking from both of them. I had mental health issues from it, and then I've refused to date for years since. Ironically enough, trying to follow traditional enough didn't get me the traditional marriage. After we broke up, he got a girl pregnant, and forced her to abort it.
I'm now 24 years old, and looking to get back into the dating game with a healthier mentality. I'm vetting people so I avoid crappy people who would make bad fathers, while also being celibate for 3 years and avoiding dating apps.
And I noticed....in the long run the pressure is not helpful. Women are aware. A lot of women I saw get married and pregnant to the first guy who looked at them ended up becoming single moms because they didn't vet the guy or get to know him for a while. As I mentioned in my last post, I noticed a lot of childfree women are happier than I expected, so even if it was too late for me, it's not a death sentence.
And looking at the statistics, you are twice as more likely to get divorce if you marry between 20-24, than if you marry between 25-29. I think it's still a good idea to have kids and marry as early as possible IF you are very very sure you found the right person. A neurotic fear of dying alone shouldn't lead that desire, but a genuine deep connection.

20F. 239 lbs, 5'1. Diagnosed with GERD, anxiety disorder, panic disorder, seasonal allergies, cat allergies(live with cat), eczema. Currently I take a Vitafusion multivitamin every other morning, and today 4/28/24, I took a prebiotic + probiotic supplement at around 6pm. Probably gonna keep taking that medication.
On Friday around 11am I began to feel stomach upset. It was around the belly button area and the pain lasted a long time. I'd rate it about a 3 on the pain scale. I could get my work done but it was difficult for me because it just felt like a bad upset stomach. Like cramping and knotting, continuous, I couldn't get quite comfortable in my chair at work either. No nausea or vomiting, and going to the bathroom didn't seem to help.
This lasted for a while, until around 6-7pm that same Friday, and then the discomfort finally subsided.
Today is Sunday night and it's not the pain it was on Friday at all, but it comes and goes. When it does it ranges from a 1-2 on discomfort. It's also in the same area, around the belly button. I feel it when I pull my stomach in, push it out, again only when the discomfort does come.
When it's not actively uncomfortable, the area just feels.. off. It's almost like I feel full, or like somethings there.
I don't have insurance so any insight would be really helpful. I'm hoping it won't warrant an ER or Urgent care visit. And whatever it is, I'm hoping to God it's nothing too serious. My mom was diagnosed with a hernia a few months back and it kinda scares me if I'd have something similar, or again something more serious.

To preface this, I had surgery with insurance to correct my underbite BUT, even though my bite is fine now, I still have a long face. Even my ortho was surprised I didn't get DJS. Overall unsatisfied with my results because I feel I look the same as before, which was what I didn't want. I did consider a surgeon in the US for revision but the costs would probably be much higher for the same procedure, and I'm Asian so I think they would be able to pull an aesthetic off that I like in SK better. I'm a girl so a much softer look is much preferred to what I look like now.
I used Seoul Guide Medical, and they gave me quote for price if you're interested: Double Jaw Surgery and Wafer: 26,400,000 KRW (approx. 19K USD) Revision Vline Surgery + Zygoma Reduction: 25,300,000 KRW (approx. 18K USD)
(Pictures were sent so that's how they decided this was what I needed and the costs)
Was just wondering if people were quoted similar, and if anyone knew how to go through with the travel plans, because at the moment I only know about the surgery costs, and not of the flight and lodging costs, and how long I might need to stay and plan ahead for everything. Advice appreciated!

So I went to my doctor for my annual exam and asked for a pap and all the checks on my blood for hormones and health checks. After my pap, my doctor offered me a cancer screener from the company Grail. I asked if insurance covers it and she said that I could make payments on it every month. I replied, "I don't want it if my insurance isn't going to pay for it." She said that her lab assistant could help me with that information. The lab assistant who helped me told me that the doctor told her that I wanted the test. I told her that,"I don't want it if my insurance doesn't pay for it." She said,"Okay" and smiled before asking me to sign for several labs on my blood that the doctor ordered. The lab assistant gave me told me that Grail would contact me about fees. I figured that this meant that they would let me know fees and information somehow to get this done. Later after time, I received an email with an attachment that I opened that had cancer screening results and a $900 bill. After contacting them, their local representative, the lab assistants, the lab they worked for, and then the doctor, I finally got answers. The representative from Grail told me that the doctor's office receives a commission for every test they conduct and reminds the lab technicians to ensure that they ask clients before conducting the test if they agree to receive it. I did not agree. Grail keeps sending bills and says that they can't do anything about the bill I now owe. My doctor told me that I signed paperwork to have the test done, she remembers that I had initially told her that I wanted all the checks on my blood and that I can surely pay $30 a month for this test. I told her that I had told 2 medical professionals that I did not want the test and that I signed for my blood tests, not that one. I also told her that the lab assistant did not explain anything to me and that I didn't want another medical bill because I have other medical bills I pay every month. She said that no other client has complained and that all her clients are fully explained the test. I told her that I hadn't explained anything and that I must have slipped through her process. She let me know that I signed for it and that I was responsible for it. I feel tricked. Is she correct? I thought about filing with a small claims court. Does anyone know if I have a case that could win to give her the responsibility for this bill?

I dont know whether to classify this as a rant, more like i need some advice, any guidance or personal experience to ease my mind. I am 23 yrs old and i want to petition for my mom, however, i went to a lawyer and she didnt want us to apply yet due to the fact that my mom never paid taxes in the last 23+ years. My mom came here around the 80s through the border. She had me in 2001 and my dad left her around 2003 with the lost promise that he would help her get a green card, the lawyer says that during the 2nd process of the waiver (forgiveness form) her portfolio wouldnt look good at all, this would be the narrative: " so you came to the U.S. to have a daughter and live off of her benefits and waited till she was 21 to petition for you so you could get through it easy, there is no excuse that the father left you and you were ignorant about paying taxes because there are people who are doing it. you are apart of the millions who have been abandoned with a baby."
Her working under table isnt good either, the possibility of her bosses getting tracked down and getting into trouble for helping an immigrant is resulted in a penalty. Supposedly my mom signed up for a ITIN but never recieved it, thats also an issue that someone could have taken that number and be commiting fraud. When they do a background check, they will see she actively recieved help in hospitals and recieved medical insurance in nyc, so her going back to her country would be of no use. The lawyer suggested i file her as dependent in my 2024 tax forms and also get her passport soon to apply for another ITIN and see if we could track the old number and go from there. This would add another couple of years to the petition.
sorry this is so much, it is a lot on me... my dad sucks, he literally screwed my mom and i, he filed me as dependent all those years and he lived states away and never sent us money, so he was getting all that money,

Over a year ago my husband rear ended someone at a red / green light. Everyone was stopped (including him) and the light turned green he was watching the cars around him and wasn't paying attention and slow rolled (about 4 mph) into the car in front of him because that guy hadn't actully started moving yet. My husband said that guys seemed suspicious, immediately got out of his car holding his neck but refused an abulance ride. His bumber had some scratches and two kind of hole from the screws of our license plate holder.
Today we get a notification from our insurance company that we are being sued for loss of enjoyment of life, loss of enjoyment of his remaining life, a shit ton of surgical procedures, ENT visits, chiropractor visits, accupuncture visits and physical therapy.
The lawyer in an effort to scare us or our insurance included a comprehensive list of the procedures performed, and the radiologist reports for some of the imaging. The thing is, NONE of these indicate any acute trauma. All the imaging indicates that this guy has arthritis, and all the procedures he is claiming against our insurance is standard treatment for chronic pain related to spinal arthritis, not acute trauma. Also none of these reports even indicate that the accident aggrivated these prior existing conditions, and I am confident if his medical records are subpeonaed it would be reflected. Also. If the car accident truly was "violent" what idiot would risk going straight to a chiropractor (like this guy) vs going to the hospital for a MRI first!?!?!
My question is should we push our insurance to fight this knowing this guy clearly suffers from a case of constipation (since he is full of crap) and arthritis? Or would he then try and sue us? Or is it better to just let our insurance settle for the generous "offer" of $25,000 in lieu of his total "damages" of $180,000?

I’ve been suffering from somatic OCD for the past 5 years, and it’s made my life a living hell. My obsessions have been focused around breathing, swallowing, the position of my tongue, lips, and mouth in general while speaking and eating, the position of and sensations of my head, eyes, arms, fingers, legs, feet, and toes in relation to my body, and the sensation of my overall bodily posture, for the most part. The particular sensations and obsessions tend to fluctuate and change over time, seemingly randomly, and one day’s obsessions may be different from the next day’s obsessions, although the same obsessions tend to stick around for significant periods of time before altering. As you’d imagine, the symptoms tend to get worse when I’m under stress or experiencing anxiety, and there are times when it feels almost unbearable. It makes social, romantic and familial relations difficult, as I fear that others will notice my compulsions related to the obsessions and will judge me for it. These obsessions and their associated compulsions also make it difficult to be present in the moment with others, and I fear this will begin to take a drastic toll on my personal relationships with others. I sometimes feel as if I almost dissociate when experiencing the obsessions and associated compulsions, and it makes life so much more difficult than it already was. I plan to seek therapy and to begin seeing a psychiatric NP in the summer, as this is when my insurance kicks in.
Can any of you relate to any of these obsessions? If so, how did you manage them? What have been your experiences with medication and therapeutic intervention?

Having a nightmare experience with them.
They initially rejected the pre auth for my MD before my surgeon appealed and they approved. My surgeon told me my portion would most likely be $2800 after insurance payed.
Had the surgery late January. About a month after the claim is still showing as pending and the surgeon reaches out to me and asks if I can figure out what’s going on. I get no where with the Aetna person in India. They won’t let me speak to a supervisor and keep telling me the surgery wasn’t medically necessary. I tell my doc office they have to figure it out with Aetna.
By March the claim is showing as denied. I haven’t heard anything else from the surgical practice. This week they sent me a bill for $37,000 (!!!) I called the doctor’s admin and said this is outrageous. They said okay we’ll have billing get in touch with you. I also have a healthcare advocate service thru my work. I’ve found them to be ineffective in the past but I’ll have to try again.
I can’t possibly be on the hook for 37k when they issued a pre authorization and my surgeon told me my OOP would be 2.8k, right?

Unfortunately our daughter who is 11 is going through a difficult time with her medications. She has been in the mental hospital 3 times in the last month for 5-7 days periods. Her medication has changed drastically and she was diagnosed with bipolar disorder in one of these last visits.
My wife and I are running out of resources and options in our region (South Texas). We have tried ABA for 8 hours a day for the past 6 years. Our insurance began denying some of the services so we had to transition to public school.
We believe our daughter needs a facility that would allow her to reboot her medicines while being under observation. But we would need an inpatient that will give her the time necessary to allow the current medicines to exit out her system, rather than the few days she is currently receiving at the local hospital. And many of the facilities we have reviewed have a minimum IQ level requirement. Our daughter unfortunately is non verbal and has a sub 2 year old IQ.
Any help from the beehive is greatly appreciated! We are willing to go anywhere in Texas but at this point maybe anywhere in the US. Thank you in advance!

I am currently in a very difficult mental state. Last October, after working part-time at this corporation for a year, I was offered a full-time position in my dream location, doing my dream job, with great pay and no stress. Everything I had ever wanted. However, I had to make the difficult decision to resign and return to my home state due to some family issues that arose. The resignation was amicable, and they encouraged me to reach out if I ever returned. I was constantly recognized for my work there and my metrics were the highest. Without getting too much into it, this was a unique public facing role. That i considered to be my dream job. Unfortunately, these type of roles are usually hard to get.
Fast forward five months, the family issues have been resolved, but I am still unemployed. I have just turned 30, gained 14 pounds, feeling extremely depressed, living off my savings, and unable to afford health insurance for medical assistance or therapy. I have nothing to look forward to. If feels so surreal to be living in the same room I grew up in knowing one year ago life was so much better and I thought I made it. There are days when I cannot leave my bed.
To add to my challenges, I recently discovered that my previous dream job has hired a full staff, making it unlikely for me to regain my old position. Due to them now being fully staffed in that department.
I’m at my lowest and I really regret leaving despite it being the right thing for me to do at the time. Should I reach out? I have a lot of regret right now and wish I could rewind time had I known my family issues would get resolved. And yes I’m actively seeking other roles, this position was unique though….

My wife and I have 3 children all grown. Our oldest bought his own home after living rent free in a home my wife and I owned. We had 3 houses then and planned on leaving one to each child. The oldest has been a huge and expensive challenge all his life but finally turned himself around in his 40s. He has a good position and supports himself financially now. I ended up retiring early due to physical disability and ended up with a good deal of medical debt. My wife has been a stay at home mom since our middle child was born. Our middle son has been a great help and wants one of the homes and contributes financially to helping my wife and I pay down our debt. Our youngest daughter has never worked outside the home. She has moderate anxiety issues and lives with my wife and I. I have term insurance that should pay any debt if I pass and I have a pension that would go to my wife. I am planning on leaving everything to my wife and hers leaves everything to me. We have added if the other spouse should die at same time all property and assets will go to the middle son and youngest daughter to be shared equally. We are not doing this in any way to punish the oldest but he doesn’t want to live where we do and we don’t want our other to children to have to sell anything since this is their home. My wife is worried that if we don’t leave something to the oldest he could contest the will. Our property is in North Carolina. My question is this something that we need to address?

Hello, posting this on a throwaway account. I’m very stressed about this and need advice. It’s late and I can’t call anyone right now. Friday night my boyfriend had a bad reaction to medication he was taking. He took some cough medicine which didn’t mix well with his antidepressants and essentially looked like he was having an OD. I called 911, they took him in an ambulance and was held at the hospital until Saturday. I was informed he had been Baker Acted. He doesn’t remember anything that happened that night but I know he did not try to hurt himself. Anyways, he was transferred on Saturday to a behavioral center. It seems unsafe, his health is deteriorating. It’s currently Sunday night. I visited him today with my mom and he hasn’t slept since he was placed there. I was told that he could maybe be released tomorrow but if not they will keep him until the 30th, 4 more days. A baker act is only supposed to last 72 hours which started at the hospital, meaning he should have been released today. They have been denying him his medication and he is going through withdrawals. They moved him in a room to sleep with 4 other people. They don’t turn off the lights for them to sleep. I looked at the reviews of this place and there is not a single positive one. All of them are one star and filled with people talking about how this place has hurt/traumatized their loved ones. On top of that my boyfriend was told by the psychiatrist that if he cannot pay the massive bill he has in his name they won’t release him. Not sure how true that is or if he heard wrong but this place is sketchy as hell and I’m worried they will try and trap him there. My family and I desperately want to help him but we don’t come from money and he doesn’t have insurance. I know he can get Medicaid but I don’t know is they even cover baker acts. I’m extremely stressed and worried that he’s going to be trapped there for longer than 72 hours and that I won’t be able to help him pay the huge bill. It’s my fault he is even in there and I just want him home. I’ll have to call some lawyers or the facility in the morning and see what I can do for him. If I could get some advice for now that would be extremely helpful and appreciated. I know going to Reddit is kind of stupid but I just need someone’s advice for my peace of mind. Thank you.

Im struggling a LOT with some medical issues but don't qualify for social security. We need money, so I keep getting and losing jobs due to my illnesses. Full time is clearly not some thing I can do right now, so I'm thinking part time but I NEED health insurance for my health issues.
Has anyone ever wanted to accept a job, but they offer to pay you more than you can make to keep state health insurance, so you request less money? Is this some thing I should do or would it be completely foolish?

Hi all,
My SO and I are planning a 90 day trip and looking for recommendations for a “home base” or two. We are looking to take our time, and not be hauling our luggage around all the time. Trip will occur from August 4 - November 1. The initial 4 weeks is planned (see below), we are looking for recommendations on places to stay for a month at a time.
August: Barcelona- 2 weeks Paris- 2 weeks.
September: Initial thought is Milan with weekend trips to Como/Venice/Munich/Zurich
October: Rome as a home base to reach out to Naples/Florence. Fly home from there.
Other cities of consideration are Nice/Florence/Munich/Geneva.
My concerns are safety as I’ve been reading a lot of concernring things coming out of Europe. I’ve also read a lot of comments on cities of “I’d be bored there after 2 days”, so I’d rather not end up somewhere stale. And finally accessibility to other destinations.
Any other tidbits on medical insurance/ SIM cards/ anything else would be great.

I posted here a couple days ago. To quickly summarize:

• Got a job offer for ~25% higher salary, but their single insurance option is incompatible with my family's current situation. This means taking their insurance would cost me most of the additional money I'd be earning in medical expenses.
  
• They've offered to give me $5k to forgo their insurance option.
  
• If I choose to do that, I would also save $650 in monthly premiums
  
• If I paid my family's regular medical needs (Doctor visits, prescriptions) in cash, It'd be an average of $650/month (likely less since I could use things like GoodRX and shop around for cheapest pharmacies).
  
• That would leave ~$330/month in extra income for skipping insurance. (Actually quite a bit more because it'd be going into an HSA apparently not).
  
• Because this decision would mean I don't actually have health insurance, if something terrible happened (Cancer, major accident, major surgery, etc..), I'd be screwed trying to find treatment without a way to pay crazy medical bills.
  
• That's where the Short Term Plans would come in. I'm looking at plan like this:
  

https://imgur.com/a/u4srkxm
What are your thoughts on pursuing this? Is there something I'm missing about the short-term plans, where they wouldn't cover me in the event of one of those terrible diagnosis? It looks like they don't cover pre-existing conditions, but again, I wouldn't be using it for any of my current, regular medical expenses. Also, would pairing it with a Gap policy make sense?
Thanks for your insight and expertise!
Edit: I assume I would definitely want a Short Term plan that covers prescriptions (which isn't many of them), since part of a catastrophic diagnosis is the crazy costs of medicine (cancer meds, for example).

Michigan credit union won’t release deposit account to beneficiary (me)
I’m posting here because I’ve reached out to about a dozen lawyers over the last half year and they don’t really seem to listen to my story or know how to help. Usually I hear “hm that’s weird” and that’s about it. This is Wayne county Michigan.

1. I want to know if I might have a case and should keep pursuing trying to find a lawyer to take legal action. If I’m wrong then fine I’ll accept it but I’m pretty sure my rights have been violated.
2. What kind of lawyer would be best if I do need one, no offense to the probate lawyers but they seem to not be interested in any sort of arguing and used to just dealing with paperwork, which is fair. So I feel like a different type of lawyer might be fit but I don’t know what kind speciality.

My mom died 2 years ago and my dad died last year, therefore my dad had single party accounts but left me as 100% beneficiary on his deposit account at DFCU Financial credit union. He had a checking account, a deposit savings account with less than 100k in it so not like a huge amount of money compared to some estates, new car loan, a mortgage loan with a balance of about 25% of the homes current value all at this credit union.
The bank refuses to release his bank account to the beneficiary, me, because there’s a mortgage? Was their justification. That I was paying personally after he died and wasn’t past due. It is now 10 months they’ve been hanging on to it and they still refuse to send me paperwork to accept funds as beneficiary. I also think they withdrew about 1/3 of the funds to pay off a car loan that should’ve gone to probate as a debt. This is a big deal to me because my dad had no life insurance, he died young-ish so it was a big funeral expense (hundreds of people came) about 20k and the only money he left to me was in this account. I had to pay for everything out of pocket and I’m in a lot of debt now paying for the funeral on credit and for his home and bills etc. The repairs on his home have amounted to more than 25k too to pass occupancy inspection so I can sell it. So I incurred a significant amount of debt and interest by not having access to these funds is my point here. (Yes I have my own savings account before people tell me I’m financially irresponsible but I have my own mortgage I need to protect and I’m glad I didn’t drain my cash because I also got laid off 2 months after his death. Happy news though I did find a new job last month)
Someone at the bank confirmed over the phone I was 100% sole beneficiary of his accounts and they need to send me forms to accept funds after they receive the death certificate. I agreed and said fine and also informed them the house was left to me in a lady bird enhanced life estate deed so it would go to my name soon and I understand I would be responsible for mortgage too personally and I would pay it monthly while I tried to sell his house. Fiduciary dept then got involved and blocked my emails to that representative who said I was beneficiary, called me next day and essentially said okay but what about the car loan you need to pay it off. I said well I can give you his car to settle that loan but they wanted me to pay the difference. I said no if there is a debt in his name you can request it through probate like every other debt collector has to. They did not like this and immediately hired a lawyer and told me no one at their credit union would talk to me anymore. This all happened within 2 weeks after his death btw and no payments were past due on anything at this time back in July 2023.
So now I had to talk to this outsourced lawyer who made the claim that the credit union had a right to offset the car loan and they will withdraw the money from the bank account that I said they do not have permission to do. Now please listen to my argument on why I think this does not apply before agreeing with the bank first. For additional context, I am a younger adult female grieving her parents if that gives an idea how the bank viewed me.

1. The first issue: the credit union feels that the deposit account can be withdrawn from for loans after the member died and before it is transferred to the beneficiary. I think the bank withdrew money from the account belonging to the beneficiary because I got a letter the car loan was paid off which I did not do. The Michigan legislature they reference only says they have the right to do this if account is past due and says nothing about death. It also says it only applies to a multiple party account, and from the definition I believe my dad’s is a single party account because everything was in his name only. There were no co-signers or extra names on any accounts.
2. Lastly I think the credit union is violating my rights under the Michigan EPIC act to unreasonably withhold funds a beneficiary is entitled to.

REFERENCES 1. 490.361 Capital; share payments; entrance fee; secondary capital; liability of member for acts, debts, or obligations of domestic credit union; placement of lien on member account. https://www.legislature.mi.gov/(S(ne2kize2ihvsfogeoq3lmaq4))/mileg.aspx?page=getObject&objectName=mcl-490-361 this is not applicable for a couple reasons: • This clause only relates to member withdrawing money, not transferring it to a beneficiary. • I am not a member and there is nothing in writing saying my dad is still a member after his death. The estate and the beneficiary of his deposit account are not mutually exclusive since he is deceased. • This withholding is prohibited by state law in violation of the Michigan EPIC act which states that credit unions are responsible to transfer beneficiary funds on death (TOD) and that ownership of accounts are effected upon death. https://www.legislature.mi.gov/documents/mcl/pdf/mcl-Act-386-of-1998.pdf
490.64 Right to set-off or lien 1. Not applicable because it is not a multiple party account here, all accounts and loans were solely in my dads name only, as the clause says it pertains to. a. "490.64 Right to set-off or lien. Sec. 14. Without qualifying any other statutory right to set-off or lien and subject to any contractual provision, when a party to a multiple-party account is indebted to a credit union, the credit union has a right to set-off against the entire amount of the account." 2. 490.57 https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-490-57 states that the beneficiary has rights to any remaining sum upon death, not upon offset. Direct from clause: a. EVEN IF this was a multiple party account, they are still violating this state legislature:
"Trust account; beneficial ownership; death of trustee; survivorship. Sec. 7. An account which states that a party is a trustee for 1 or more other identified persons, including but not limited to minors, is a trust account. Except where there is evidence of a trust other than as provided by the form of the account, the account and any sums withdrawn therefrom are presumed to belong beneficially to the trustee until his death. At the death of the trustee or surviving trustee any sums remaining on deposit are presumed to belong to the person or persons named as beneficiaries, if living, or to the survivor of them if 1 or more have died before the trustee."
At this point I don’t just want the funds released to me I want to sue the credit union and make sure they don’t do this to more grieving people. Am I wrong or do I have a right to sue them since I’m not a member? If you made it this far thanks for reading my story.

A family member is looking into possibly taking legal action against a dental office for medical malpractice from when the dentists mixed them up with another patient and wrongfully anesthetized them (the wrong patient) with 8 to 10 different injections last year in May 2023.
The family member booked a dental appointment on the referral of a friend due to tooth pain and the friend advised that my family member’s medical insurance accepts the insurance my family member has (which it did).
It was the family member’s first time at that particular dental office and dental offices do not transfer x-rays between one another which alerted the family member. The family member then inquired of the dentist how the dental office already had their x-rays when they had not taken any yet and it was their first time there and the dentist asked aren’t you ‘such and such’ (they don’t remember the name that the dentist said but it was not their name at all). They told the dentist no, and told the dentist their correct name and the dentist then called assistants to let them know that the family member was not the patient that they had assumed they were.
Next, a male dentist (the first dentist was female) came in and advised that they would need the family member to take x-rays. After the family member took the x-rays (for the first time at at that particular dental office), he advised that the family member needed extractions, fillings, etc. and that the dentists could have an extraction that same day to which the family member refused and advised that they would return on a future date.
When they returned to the front office to schedule a future appointment, they expressed their concern for what had happened with the mix up to a woman at the front desk. She advised that the female dentist, before the family member had brought it to her attention that she had the wrong patient, was going to give the family member a “deep cleaning” and she also advised that she (the woman at the front desk) would have let the female doctor perform the deep cleaning on them claiming it would have been free since the mix up was an error on the dentist’s part and not on the family member (basically making light of the situation and brushing it off as nothing). I’m not even sure if they would not have actually charged for the incorrect procedure, they might have tried to get the family member’s insurance to pay for it if it had gone through.
This frightened and upset the family member so they ended up trying to go to another dentist altogether.
The family and their case worker (former parolee; no longer on parole) 02/13/2024 went to the dental office to request their dental records and they signed the authorization forms but the dental office still wouldn’t turn the medical records over. The dental office workers even implied that they got rid of the family member’s file when the family didn’t return for their next scheduled appointment which later on was provably not true, and they denied having a supervisor to talk to despite the family member calling ahead before showing up with their case worker as a witness and gathering that the supervisor’s name was Heather.
The family member then decided to file a formal complaint against the dental office with the California Dental Board on 02/22/2024. On 04/25/2024 the family member received a letter from the California Dental Board with the determination that no violation of the Dental Practice Act was found (which we strongly dispute).
The family member was never given their medical records and it seemed that the dental office is actively working to conceal the family member’s own records from them, despite them adamantly requesting the dental records in full compliance with HIPAA regulations as well as California law.
After this medical malpractice (anesthetized wrong patient), the family member neglected proper medical care for their teeth because they were hesitant to return to any dentist after this blunder happened and their complaint with the California Dental Board was rejected. They felt like they had suffered from medical malpractice, the dental office got away with it, and no one cared about protecting their medical rights.
When the pain got so bad that the family member had no choice but to address the state of their teeth (big chunks of one of their teeth started falling out), they were forced to overcome the traumatic experience and tried to visit Western Dental to receive care. The family member was then advised that their health (medical and dental) insurance (Medi-Cal and Contra Costa Health Plan) only covers one routine visit per year and that they had already expended that routine visit at the dental office where they had received the medical malpractice.
The family member’s dental coverage was restricted to the same very office at which they had suffered and filed a formal complaint against.
I am helping the family write a fair notice letter demanding (no longer simply requesting) that the dental office turns over my family member’s dental records to them immediately in full compliance with HIPAA regulations as well as California law.
We have the complaint documents, the ruling on the complaint, text messages with the former case worker (the former case worker agreed to be a potential witness), and the formal dispute of the ruling on the complaint. And we are trying to procure the actual medical records from the dental office though they keep trying to get my family member to book another appointment instead to make up for it as if no malpractice/mistake has occurred and have yet to hand over the records even though it’s been months since the records have been requested. Not even the California Dental Board has handed over the records though in the complaint ruling (which they sided with the dental office) they claim to have obtained such records from the dental office meaning they haven’t been destroyed.
My question is this: Should my family member just get over it and try to move on and overcome their fear of dental offices? Or is there something my family member can do legally in order to obtain their dental records and get a complaint or lawsuit taken seriously?
(*Thank you for your time, I know this is a lengthy post!)

I am currently in a very difficult mental state. Last October, after working part-time at this corporation for a year, I was offered a full-time position in my dream location, doing my dream job, with great pay and no stress. Everything I had ever wanted. However, I had to make the difficult decision to resign and return to my home state due to some family issues that arose. The resignation was amicable, and they encouraged me to reach out if I ever returned.
Fast forward five months, the family issues have been resolved, but I am still unemployed. I have just turned 30, gained 14 pounds, feeling extremely depressed, living off my savings, and unable to afford health insurance for medical assistance or therapy. I have nothing to look forward to. If feels so surreal to be living in the same room I grew up in knowing one year ago life was so much better and I was living in my dream place. There are days when I cannot leave my bed out of sadness and not wanting to go out and run into someone I know.
To add to my challenges, I recently discovered that my previous dream job has hired a full staff, making it unlikely for me to regain my old position. Furthermore, my family keeps asking intrusive questions about my marital status and teasing me about it. Since my bf and I have been long term but no proposal. I get rude comments from them and it’s hurting me badly. I wake up every day in tears, reminiscing about the dream role I had worked hard to achieve in my dream location, only to have it slip away almost a year later. My previous role was public -facing, so people may assume I was fired, which is not the case. I receive occasional messages asking about my absence, which, although well-intentioned, weigh heavily on me. Everyone in my hometown keeps asking me what happened and what am I up to. Im literally up to nothing so I don’t even know how to answer. All of this has stemmed from circumstances beyond my control, and witnessing everyone else around me prosper only adds to my feelings of inadequacy. I am not envious of their success, but I can't help but feel like a failure. Any advice or support would be greatly appreciated.
I guess I’m just venting here but my mental state is dire and I’m feeling sick to my stomach with more and more sadness each day.

So I’m from Florida and haven’t had car insurance since october due to the fact, I simply couldn’t afford it on top of everything else that has risen in price. As a result, my licenses was suspended but restricted to business purposes only. I recently came up here to Georgia just for temporary work to gain experience in the medical field so I can travel and make some decent money to pay off debt and actually afford the cost of living. On my way home from work, I was pulled over. Now I have to go to court. This is my first offense and I’m trying to settle things with the motor department with Florida currently to have my licenses reinstated. I ended up finding an app called Root to get some insurance without a crazy expensive down payment. So I am now insured temporarily. Georgia is pretty strict, but just wondering if this has ever happened to you and what the judge ultimately decided. If you only have negative things to say, please leave me alone. Never met a perfect person in my life, so expect it from me.