I’ve never been a fan of being the sole provider of medical bills. But when I’m a single parent, it’s still possible. There are definitely benefits to being an all-around, healthy, and mentally-capable single individual. But there are also potential pitfalls. The biggest, most obvious example is the fear of the unknown.
The fear of being the sole provider of medical bills is the biggest reason why I never feel comfortable telling my parents to get a new credit card. I’m sure they’d agree with me. I’m also a huge fan of the fact that you can always be a little more flexible with your medical coverage. The problem is that your insurance company is not always the best judge and they will often cancel your coverage at the last minute for some reason or another.
When I was in college I worked as a personal chef for two years. I spent a lot of time thinking about the pros and cons of cooking, and the fact that no one else was doing it. At the end of the two-year stint I was given my first credit card. I quickly got the card paid off with no questions asked. The thing is, the bank that I had been with had a $5 million dollar medical liability insurance policy.
I’ll never forget the day I woke up in the middle of the night. I was the first person in line to eat breakfast when my phone rang. I went to my room and got up, walked down the hall to my room, and rang the phone. I told my cell phone number to call the bank and got it. I had to leave the room because I couldn’t find my driver’s license, and I wanted to give the bank a check for that. I was shocked.
They were very nice about it. They said that they had a procedure that they needed me to take to get me to sign the medical authorization, and that they would get the paperwork to me by Friday. I was shocked because I had been a part of that entire process, and I actually had the paperwork with me.
I found it very disturbing that someone would leave a paper trail to do something that could be construed as fraud, and then not bother sending it to the bank. That whole process could be very dangerous to my information. I decided to just start over, and put the paperwork in a safe place. They didn’t seem very interested in that.
Although I could see how they could interpret it as fraud, they didn’t seem particularly interested in the paperwork. They sent me a very generic email about checking “the bank’s file” which was a vague, ambiguous sentence which could be interpreted as either “the bank is aware of your application”. The bank never responded.
It’s possible that the bank had no idea that the application was in process since this is a very new application, but there’s a good chance they didn’t respond to you because they arent really on your side. However, I’m sure they do know that the application is in process, since they’ve already begun the review process. Once they’ve reviewed the application, they’ll have a chance to respond.
So far youve only heard about the application process, but theres a good chance that youve already applied, although at this point youdd never know.
That said, if you’re looking to make a change, and you don’t know how, you should definitely look into the application process. Theyre here, you can do it, and youll get your chance.