Have you been forced to pay out of pocket for health services you believe should have been covered by your insurance policy?
Have you been unable to obtain the health services you need because your insurance company refused to pay?
Has your insurance company denied your claim for benefits based on the allegation that the a requested treatment, procedure, or medication is experimental or not medically necessary, and therefore not covered under the terms of your policy?
Did your insurance company preauthorize treatment and then refuse to pay after you received the treatment?
If so, we can help. We assist people whose health insurance claims have been wrongfully denied.
With so many more people obtaining insurance coverage today, the insurance companies are constantly seeking new ways to cut costs, and one way they have been able to achieve cost savings is by denying claims that should be paid. Suffering through your own or a loved one’s illness is difficult enough, without having the added stress of having to fight an insurance company to cover mounting health costs. We can assist you in appealing and/or litigating your health insurer’s denial of benefits and other issues that may arise in the health insurance setting, including:
- Partial and/or total denial of coverage
- Failure to obtain pre-authorization
- Allegations that a procedure or treatment is experimental/investigative/not medically necessary
- Enrollment issues, including COBRA
The insurance company will often tell an insured that a particular treatment, procedure or medication will be covered, only to later deny the claim after the treatment has been administered, leaving the insured to deal with the bill.
Insurance companies will often deny pre-authorization for a procedure or treatment, alleging that a less expensive procedure will produce the same outcome.
We represent insureds claiming under the following types of health insurance policies:
- Employee benefit-related health insurance (ERISA)
- Individual health insurance coverage
- Accidental death and dismemberment
- Credit health insurance
- Skilled nursing care
We represent insureds covered under any health plan, including:
- United Healthcare
- Blue Cross and Blue Shield of Kansas City
- Blue Cross and Blue Shield of Kansas
- Anthem Blue Cross and Blue Shield
- Your employer’s self-insured plan
We can help obtain the health care benefits you were promised under the terms of your health insurance policy. We will work with your treating physicians to prove the insurance company doctors wrong. We will work our hardest to ensure that you get exactly what your hard-earned dollars paid for.