My OH has private medical insurance through his company. I met him 9 years ago. He was covered along with his kids. After 5 years and his daughter sneering that if I or my son got ill we wouldn't get the quality of care that she would, I asked OH if it would be possible to put myself and my son on the health insurance. He agreed and we were added to the policy.
18 months ago, I needed to have a colonoscopy. He offered for me to go privately, I declined and said I would go through the NHS. I had a horrendous experience and it had to be repeated. This time I asked OH if I could go privately and could he help me sort it out as I had no idea what the procedure was to arrange it all. He didn't help me and I had to muddle through sorting it out myself and feeling pretty stupid not knowing anything about the policy because it's through his firm and I have no paperwork at all. A few months after the procedure, I got an invoice from the hospital for around £500 this was apparently due to an excess on the policy. I asked OH why I had received it, he got angry, said I must have done something wrong but said he would deal with it and his firm would pay the bill and then claim it back from another insurance policy they have. I then got another reminder, I asked him again, he got angry with me again for causing him a problem but promised he would deal with it. 8 months later I get a final demand. This time I paid it and he said it was too late to get the money back from his firm who had another insurance policy for the excess payment. I expressed my disappointment that he hadn't dealt with it and was upset at his lack of support. I made it quite clear I didn't understand the situation and I was relying on his support - which he clearly hadn't given me.
I have recently had a sporting injury. Again, he has said "put it through the insurance" and told me that if they say there is an excess, say "that is fine and my firm will sort it". I have and again, I have received another bill. He has promised to sort it and again I have now had the second reminder. He told me to phone the hospital and insurers to ask what was going on. I did, while he was sat next to me and he gets angry that they were telling me what I had already told him. I have left the reminder sitting on the kitchen table because I really can't speak to him about it again. I think he's going to get angry with me and yet I have no idea why!
I should point out that his children have had countless procedures paid for by the insurance over the years and this evening, I am giving up a night out to go with him to a private doctors appointment. All of which, he seems to have sorted out with no problems or bills to pay at the end.
I am seriously thinking he is deliberately setting me up to fail by not giving me the correct information?!
I should point out that I never ask him for anything and I have brought up his kids day in and day out for years with not much help from him or their Mother. I don't mind and I work full time but surely when I ask for a bit of help and support, I shouldn't have to fight for it or be made to feel I have done something wrong?!