Health Insurance Claim Denials
Healthcare coverage is one of the most important purchases an individual can make. Most people conduct thorough research before selecting a policy that will best cover their needs. There are so many policies to choose from at a wide range of price points that it may take several weeks to select the right one. When shopping for health insurance, the furthest thing from a consumer’s mind is the possibility that, when she needs her insurance coverage the most, her insurer will deny her claim.
The nation’s top insurance providers continue seeing a rise in profits, while many policyholders find a reduction in benefits. Unfortunately, health insurance companies are large corporations with vast legal protection. In many cases, they hire teams of lawyers to work against valid insurance claims so that they can pay as little as possible to settle claims. In this way, they increase their profitability and please their shareholders.
Attorneys who work for health insurance providers scrutinize all aspects of the policy and the claim to find any reason to deny the policyholder fair compensation. Sometimes, something as simple as a clerical mistake can lead to an insurer denying a claim. If you believe you have been wrongfully denied a health insurance claim, Vero Beach health insurance lawyer William Terry can help you defend it.
Why was my health insurance claim denied?
Health insurance claims may be denied for several reasons. Some of the most common reasons include:
- The treatment or procedure is for a preexisting condition
- The treatment or procedure is experimental
- The treatment or procedure is not medically necessary
- There is a generic version of the prescription available
- The policy is void because the applicant misrepresented information
Free Case Evaluation
Health insurance companies often deny surgery claims because they deem them to be medically unnecessary. Often, they come to this conclusion by hiring an in-house physician who has never met the policyholder to state that the surgery is unnecessary and that there is another option for treatment. Attorney William Terry can help you through these obstacles.
Defending Your Health Insurance Claim in Vero Beach
Health insurance policies use an array of terminology that may not be familiar to the majority of consumers. As a result, the process of fighting a denied claim can quickly become confusing and stressful. These companies are difficult to work with because they don’t want their customers fighting back when they refuse them coverage.
As an experienced health insurance lawyer, William Terry fights for policyholders whose insurance companies denied their valid claims. In many cases, he has successfully recovered fair coverage and attorney’s fees from the insurer.
The board-certified leader of William Terry, P.A. is ready to review your case for free. Call (772) 217-6600 or email him here to get started.