General Question

chelle21689's avatar

Is it wrong to ask my bf to help me pay for my medical expenses?

Asked by chelle21689 (7907points) January 11th, 2012

Okay, so I have another question about this topic but it’s different than the one asking if I should sue the company.

Anyways, we got into a car accident 3 months ago and I’m still experiencing pain. I only have $650 left from the insurance, the rest went to the hospital bill/ambulance which is ridiculous.

I found a place in my hometown that seemed very friendly and said they’d work within my budget. Also when I run out of the 650 that the flat rate is $38. It doesn’t seem so bad but I guess it can add up if you go once a week.

Anyways, is it wrong to ask my bf to help pay half the cost? He has a decent job for his age and I make little money and I have no health insurance. When we were at the hospital he did mention one point that he’d pay and that it’d be unfair if I did but he was probably talking about the ambulance/hospital room not the expenses of treatment afterward.

If I were to ask I’d ask him, “I’m going to get treatment with the $650 left, and if I am not better in time after the money is gone do you think you could help me pay half of the cost?”

I was an IDIOT and signed a waiver with the insurance company freeing them of liability for a measely $200. I’m young and naive, insult me but I learned from the mistake >_< I was just told from the agent it’s for my pain and suffering lol.

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16 Answers

chelle21689's avatar

it’s not a serious pain but an annoyance. slight sharp pain in my left shoulder when I move it around or put pressure. it makes me unable to do certain things like push ups or pull on something

GrayTax's avatar

I wouldn’t say it’s wrong, no. I reckon if I were in his position and could afford to do so I’d definitely help out.

MilkyWay's avatar

I don’t think it’s wrong. And if there is a problem, you can always say you’ll pay him back when you can, eventually.

marinelife's avatar

Why not ask him? He can only say no or maybe yes.

Neizvestnaya's avatar

No, it’s not wrong at all. It’s because of his negligent driving that the accident happened in the first place, you were an innocent passenger, his gf, his responsibility as the driver to keep safe. Ugh. It’s pretty disappointing he’s not offered to pay all your expenses.

saint's avatar

You can ask for anything you want. The real question is always whether or not you get it.

WestRiverrat's avatar

First I would not have let you sign off on the insurance until your treatments were done.

I would offer to help pay for the treatments myself, especially if I was partially responsible for the cause. I would not wait to be asked. If he doesn’t want to help it may be time to reassess your relationship.

Pain free girlfriends are much more fun to be around.

YARNLADY's avatar

You can try to get some help from a local TV station about signing off on the insurance settlement. They often love to have stories about helping consumers recover their costs.

Talk it over with you boyfriend to determine if it is right or not.

mrrich724's avatar

If you think he is “the one” ask him for the money and be prepared for whatever the answer may be. If you think he’s not the one, tell him he isn’t and be prepared for that answer, LOL

But that’s a part of what relationships are for, helping each other! I’d dig my own grave if that’s what it took for me to help my wife pay her medical bills to keep her receiving necessary services.

But when all is said and done, I’d also say, “Honey, you need to get a job and get health insurance so this doesn’t happen again.”

Sorry, not keeping up on your previous questions, so I’m not sure why you don’t have a job or insurance etc.

I’d say go ahead and ask, but do not expect or feel entitled. Entitlement sucks.

chelle21689's avatar

I think he’ll definitely help me but I don’t want to feel guilty asking him feeling like I’m wrong to do so.

I do have a job but it doesn’t pay much. I work for my parents and their business and I am a full time student in college. I graduate in a year for my bachelor’s. I’m with their insurance plan but they don’t have much covered only life threatening things. For reasons, I can’t leave the business.

prioritymail's avatar

If it is indeed his fault, I’m surprised he hasn’t already offered to help out.

On the other hand, even if it were his fault, it was still your decision to get into the car with him. So I don’t think you’re entitled. I don’t think he owes it to you technically speaking.

If he caused the accident, I would definitely ask him to help out. If he didn’t cause it, I would talk it over with him and see if we could work something out. My back up plan in this scenario would be to talk to my parents, and another option would be to start saving now for the future potential expense, think of some other way to make the money I need myself, or deal with the discomfort / postpone treatment until I can afford it.

Nullo's avatar

@chelle21689 Look at it this way: if you get married, his financial assistance is a foregone conclusion.

GrayTax's avatar

@chelle21689 I don’t want to feel guilty asking him feeling like I’m wrong to do so

It’s natural to feel a little guilty about asking for money; I hate doing it.
Saying that, if I were your situation and the person being asked for the money, I’d not expect whoever’s asking to feel guilty about it, or that it’s wrong, because it’s not… Not really =]

I also agree with prioritymail: asking your parents if they could help out or saving up additional money for the future is a good idea.

cazzie's avatar

You said the accident was his fault, so, yeah, I’d say he SHOULD be already paying your medical bills. HE is the one who should be carrying around the guilt, not you.

robmandu's avatar

The accident was his fault… but his legal responsibility for that was met by your settling with his insurance company.

His ethical responsibility might go beyond that, though… but he has to be the one to decide it. Any attempt to guilt him into paying more will likely backfire in the long term, even if it does get you paid.

In short, if I were in your shoes, I’d let him know that the financial burden on you might be more than you can bear. If he then offers to help with payment, take him up on it.

Accidents happen. He wasn’t trying to get you hurt. And I hope he pitches in with your non-covered expenses. But I don’t know that I’d hold it against him if he doesn’t.

chelle21689's avatar

I think I’m going to ask my parents for help first. =\ My bf hasn’t offered lol. Like I said when I was in the hospital he mentioned it but he probably didn’t think of treatment.

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