Health

Health Insurance Denials

People with health insurance policies are often seen by others as the lucky ones. After all, there are many people in the United States with no health coverage. However, when a health insurance carrier denies a claim for a covered event, it can be as bad as having no insurance at all.

At Surrano Law Offices in Phoenix, Arizona, we help people who have had their claim for medical benefits denied. We file suits alleging insurance bad faith on behalf of clients whose hospital charges have not been paid or who have had their credit rating ruined because of unpaid medical bills. To learn whether we can help you, contact our attorneys to discuss your situation. Call us at (602) 264-1077.

Reasons for medical claims denial

Our clients typically have experienced the following actions on the part of their health insurance carrier:

• Unreasonable delay in processing claim
• Denial based on failure to disclose
• Denial based on insurer determination that treatment is experimental
• Denial based on timing of claim

Post-claims underwriting

Many people are victims of post-claims underwriting. The carrier investigates the policyholder's medical history after receiving a large claim. When they find a pre-existing condition, they charge failure to disclose and deny the claim. Because the carrier had already approved the application, the fact that they did not fully investigate at the time of application is not relevant. Wrongful denials based on post claims underwriting usually constitute insurance bad faith.

Canceling the policy after a medical claim denial

Health insurers, in addition to denying claims based on post-claims investigations, usually cancel the policy after a medical claim denial, leaving the policyholder with no health insurance and little hope of getting any. In an era when health care costs are increasing faster than the rate of inflation, this can be catastrophic.

Our attorneys help people who find themselves in circumstances such as these. We have the experience and knowledge of the insurance industry to build a strong case for clients who have been denied health insurance benefits because of bad faith on the part of the insurer. Contact Surrano Law Offices to learn about your options and your rights.

Serving clients throughout Arizona and the United States with insurance bad faith lawsuits