If your health insurance claim is denied, delayed, or underpaid, you could end up paying out of pocket for costs that should be covered, forcing you to get a lawyer and fight the system to get reimbursed after the fact. In the worst case, you could wind up forgoing medical care altogether because you can’t afford the treatment. Wrongful health insurance denials are insidious; not only do you not get the coverage and benefits you’ve paid for, but a claim denial can be damaging to your health. People have died while waiting for their insurance companies to come through for them. Read More

Insurance is a complex field, and we reasonably rely on insurance brokers and other professionals to help us navigate different policy options. The insurance market is risky for individuals and businesses; parties seeking insurance are increasingly relying upon insurance brokers and agents to secure the policies they need. Brokers and agents are people, however, with competing interests and differing levels of competence. If you rely on an insurance broker to get you a specific policy and they fail to do so, only for you to find out years later when you (or your beneficiaries) need that coverage you thought you bought, you might find yourself in dire financial straits. Read More

Medicare Advantage policyholders have their claims denied at an outrageous rate, according to the federal government’s own reporting. On the bright side (sort of), claimants who appeal their denials are by and large successful in eventually getting their claims approved. If you’ve had your legitimate Medicare Advantage insurance claim denied, there are steps you can take to get the coverage you need and are entitled to, and you might also have a right to monetary damages based on your insurer’s violation of the law. Read More

If your insurance claim was denied, and you believe that you should have been covered, it does not necessarily mean that either you or the insurance company were wrong. While insurance companies certainly do deny claims in bad faith, sometimes a lapse in coverage is due to a miscommunication between the insured party and the insurance agent. Read More