Different plans cover different drugs. Many plans have different levels of prices for different types of drugs. UnitedHealthcare mostly covers common medicines like insulin and antidepressants. Generic drugs are usually less expensive than brand-name and specialty drugs. They give discounts at certain pharmacies. The costs of expensive drugs are based on your plan's cost-sharing system, which includes copays, deductibles, and co-insurance.

For exact coverage information, you need to check your plan's formulary and perks.

Many banks offer digital debit cards with features similar to Truist. Bank of America, Chase, Capital One 360, and Wells Fargo all provide cards that include standard digital banking features like contactless payments, mobile alerts, app integration, and enhanced security.

For you, I guess Chase Sapphire Banking Debit Card and SoFi Checking & Savings Debit Card would be the best. As these both cards provide offers, discounts on hotel bookings, and cashback on travel bookings, when you book through their travel booking platforms.

To save more money, you can join hotel loyalty programs (Hilton Honors, Marriott Bonvoy) and book through travel websites (Expedia, Booking.com) that offer you extra discounts.

For starting a homemade chocolate business, you need a Business license, a Food handler's permit, and potentially a Cottage food operation permit. The labeling of your food item must meet the standard set by the FDA. Check Local Health Department Regulations for food safety. Before starting a business, Insurance, Zoning laws, and Sales tax permits are mandatory.

There are many financial counseling resources that can help you. National Foundation for Credit Counseling (NFCC) and Consumer Financial Protection Bureau (CFPB). They provide guidance for free or at low cost, plans for managing debts, and tips to improve your credit score. There are some non-profit and community action groups that also help single parents; just call 211 to find local financial aid.

Capital One 360 checking is beneficial for you if you use ATMs a lot, as it gives you access to more than 39,000 ATMs, including Allpoint and MoneyPass, which is way more than Wells Fargo.

Additionally, there are no monthly fees, and you have the option to directly deposit your checks on your phone and receive an early deposit.

Liability insurance comes into the picture when you are responsible for others' damage.
Collision covers damage done to your car from an accident.
Comprehensive protects against non-collision incidents like theft or damage done because of weather.
All these coverages offer distinct forms of protection for different types of events.

If you choose to purchase travel insurance, you will receive the following coverage benefits:

Trip Cancellation refund. Coverage for medical expenses Reimbursement for baggage lost or delayed. Travel delays coverage.

Budget-friendly travel insurances are:

World Nomads Allianz Travel AXA Assistance USA Seven Corners

All of these offer a wide variety of insurance plans and are affordable.

M&T Bank offers special groups for students, businesses, and people who work for wealth managers. M&T Bank offers personal and business banking accounts to their customers.

Personal Banking Accounts:

Checking accounts. Saving Accounts Certificate of Deposit (CDs)

Business Banking Accounts:

Business Checking Accounts Business Saving Accounts

You can use Cash App, Venmo, Apple Pay, and PayPal for everyday payments. They make it simple to pay, are safe, and are accepted widely.

As you don't want to open a bank account, I suggest the Cash App with a Cash Card (no cash) or the Bluebird by Amex, which doesn't charge any regular fees.