Getting an ulcer...really need some advice

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Regular Member

Date Joined Feb 2003
Total Posts : 151
   Posted 3/20/2008 1:14 AM (GMT -6)   
I am worried that I might be headed for getting an ulcer.  A little over a year ago, I took a job as an apt. manager.  I got the job thru a friend who with her husband own the complex.  After what I had been thru, I was and am very grateful to them.  I really like both of them, but right now we are dealing with finding me individual insurance.  I went on line and applied at several and got all sorts of calls from agents.  I finally called one back and have been working with her.  We applied at 2 different companies.  One has accepted me.  It has a 5K ded. and my out of pocket is 3K so I have to meet 8K before they pay.  Well, he wanted a copy of the policy first so they got one.  After looking it over, he decided against it because they believe the premium is too high and I dont get anything.  Well, I do get a discount when I go to a dr. or have any proceedure done.  He wants to go with another co. but there is no guarantee I will be accepted.  I talked to my dad who is in insurance and several friends who are also.  All say the same thing, go with this co. and then continue to look.  Even my agent says the same thing.  Well I was at dad's and they called and I told them about getting a discount, and it would be best to take the policy for now.  Well, he is adament that we will not take it.  He does not work in insurance at all, nor does she but he says the agent is just trying to sell me something expesive for a comission.  I know that is not true.  I even handed my cell to my dad when talking to him as they are about the same age and know each other somewhat from college.  He refused to listen to my dad.  Well, after the conversation I called my agent and for now my dad will help pay for the policy.  She is fully aware of what is going on.  We are still going to look.  He also refuses to call her or the company if he does not understand.  He says he is too busy and she is an agent and is going to earn her money.  When I went over there tonite to discuss work, the topic was brought up by him.  He does not care what anyone says, he knows all about health insurance, which he does not.  He even told me not to talk to her anymore.  Well, I refuse to let him run my life.  He will do what he wants no matter what.  I do not want to end up with an ulcer over this.  She tells me this is priority.  I wont go into any other issues but this is not the only one.  He sees things only in black and white.  I cant deal with it right now.  Everything as been going ok for the most part, or at least I have let things roll off my shoulders.  I just do not know what to do anymore.
Thanks for listening.

Veteran Member

Date Joined Dec 2005
Total Posts : 3036
   Posted 3/20/2008 6:00 AM (GMT -6)   
Hi Chelsi

Sounds like he is convinced that he knows better than anyone else,and at some point since he is paying I am not sure what you can do.

If it was me,I would tell them this" Fine,but I need health insurance asap,so please find another company and then let me know who it is".

It is frustrating when you have to depend on someone else to make important decisions like that. But,hopefully he will redeem himself and find a better deal...

Mod- Depression

Chronic Depression, Panic Attacks,Anxiety Attacks,Anorexia

Please remember,I am not a professional..I am just a person who is also fighting depression.

getting by
Forum Moderator

Date Joined Sep 2007
Total Posts : 42613
   Posted 3/20/2008 8:01 AM (GMT -6)   
I thnk that since your dad is helping with the premiums, just go for it. Next time it comes around, tell him it is somebody else, or can you do that? Even out of pocket for the premiums is worth the insurance, or are they really high? I wish you luck with this, get in as many apppts as you can at least for the first month. This should at least calm your ulcer down. Though I hoope that you don't have one, it could just be stress. Have you thought of looking for another job? The one you have seems to be stressful because of the people that you work for. But weigh out the pros and cons of paying your own premiums. And remember to tell him, you get what you pay for.

Luv and hugs, Karen
fibromyalgia, Chronic fatigue, depression,allergies

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