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Business Owner Covers Employee’s Medical Bills Out of Pocket, Later He Teaches a Harsh Lesson to the Insurance Company About Right and Wrong.

A business owner, the Original Poster (OP), battles an arrogant insurance company refusing to cover a crucial medical procedure for one of his employees. The situation unfolds when he pulls all his businesses from the company, threatening its very existence.

A Silver Spoon and A Simple Life

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The OP, born into a well-off family, enjoys a life of leisure and minimal conflict. Through family connections, he attends prestigious schools, serves in the military, and later studies abroad. Despite the ease of his life, he remains a loner, preferring the company of a select few friends over a large social circle.

The Coastal Entrepreneur

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After college, the OP leverages his family name to establish multiple businesses in a coastal city. The businesses, funded through a combination of inheritance, investments, and family gifts, thrive due to the city’s popularity with local and international tourists. Despite his wealthy background, OP maintains a down-to-earth approach to business, often joking about his family’s efforts to keep him from going broke.

Caring for Employees

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OP prides himself on providing comprehensive health insurance for his employees, ensuring they are covered beyond the basic provisions of the government healthcare system. He believes in the importance of staff welfare, offering generous leave and paid overtime.

The Healthcare Crisis

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OP’s manager requires a hysterectomy due to a heightened risk of cervical cancer, a disease that claimed her mother’s life. Despite initial approval from the company’s insurance, she later receives a bill for the procedure. In OP’s words, “We were livid since we had made sure everything was in order.”

The Insurance Battle

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A call to the insurance company reveals that they’ve retrospectively changed their policy, refusing to cover the manager’s surgery. Despite the OP’s protests and the clear timeline of events, the insurance company dismisses his concerns. A higher-up in the company tells OP, “If you don’t like it, you can frankly leave and find a new insurance company.”

The Shift in Loyalties

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Furious with the treatment, OP pays his employee’s hospital bill and decides to switch insurance companies. After exploring options, he chooses a rival company that offers superior coverage, despite the higher cost. The old insurance company appears unconcerned about losing OP’s business, unaware of the scale of his enterprises.

The Revelation

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Only once the small insurance office receives a notification of the cancellation of his business’ insurance policies does the company realize the magnitude of its mistake. The revelation of the OP’s family sends shockwaves through the company, prompting desperate attempts at apology and negotiation. However, OP remains firm, saying, “No amount of sweet talking was changing my mind.”

The Waiting Game

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OP shares his experiences with friends and family, expressing his dissatisfaction with the old insurance company. The company, still reeling from the loss of OP’s business, remains unaware of the further losses about to hit them.

The Domino Effect

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Moved by OP’s story, his friends and family decide to withdraw their businesses from the old insurance company as well. As the losses mount, the company begins to falter toward the end of 2019. When the global pandemic hits, the already struggling company teeters on the edge of collapse.

The Fall and Acquisition

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Unable to recover from the massive loss of clients and the effects of the pandemic, the old insurance company goes into receivership. It is eventually acquired by its greatest rival – the same insurance company OP switched to. The high-ranking executives who dismissed OP’s concerns are let go, while the remaining staff are retained.

The Final Twist

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In a twist of irony, the old insurance company’s local office building is put up for sale. Unsurprisingly, OP purchases it, planning to transform it into a business rental space. In his words, “All in all, it was a bit of a sweet payback.”

Reflecting on the Past

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With the old insurance company in ruins, OP takes time to reflect on his journey. He recalls the disparaging words of the insurance company executive, finding satisfaction in the fact that their arrogance led to their downfall. As he states, “I hope those disrespectful guys learned that everyone is human and they are not above anyone.”

The Unexpected Popularity

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OP shares his story online, not expecting a massive response from readers. Overwhelmed by the support and awards he receives, he chuckles at the comments and expresses gratitude.

A Parting Message

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Ending his post, OP hopes his experience will inspire readers to become understanding bosses or seek employers who value their well-being. He leaves his readers with a thought-provoking message, reminding them of the power of karma. As he puts it, “Karma is a cold and heartless witch….”

Was The Man’s Behavior Appropriate?

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The readers in the forum had a lot of mixed views on the matter. Here are some of their responses:

Forum Responded

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One reader said, “Also really nice that someone with a background of privilege is so aware of it and completely an awesome person.”

Another Viewpoint

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Another responder wrote: “Your employee is lucky to have you.”

What Do You Think?

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What are your thoughts on their actions?

What would you have done in this situation?

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Josh Dudick

Josh is a financial expert with over 15 years of experience on Wall Street as a senior market strategist and trader. His career has spanned from working on the New York Stock Exchange floor to investment management and portfolio trading at Citibank, Chicago Trading Company, and Flow Traders.

Josh graduated from Cornell University with a degree from the Dyson School of Applied Economics & Management at the SC Johnson College of Business. He has held multiple professional licenses during his career, including FINRA Series 3, 7, 24, 55, Nasdaq OMX, Xetra & Eurex (German), and SIX (Swiss) trading licenses. Josh served as a senior trader and strategist, business partner, and head of futures in his former roles on Wall Street.

Josh's work and authoritative advice have appeared in major publications like Nasdaq, Forbes, The Sun, Yahoo! Finance, CBS News, Fortune, The Street, MSN Money, and Go Banking Rates. Josh currently holds areas of expertise in investing, wealth management, capital markets, taxes, real estate, cryptocurrencies, and personal finance.

Josh currently runs a wealth management business and investment firm. Additionally, he is the founder and CEO of Top Dollar, where he teaches others how to build 6-figure passive income with smart money strategies that he uses professionally.