Health Insurance - Denial of Diagnostic and Cancer Treatment
Have you or a loved one been diagnosed with cancer, only to have your insurance company deny coverage for life-saving treatment?
For most types of cancer, time is of the essence. Prompt and thorough diagnostics are immediately needed to identify the nature and extent of the cancer, along with a comprehensive treatment plan. Unnecessary delays or denials by your health insurance equate to lost time. LOST TIME = LOST CHANCE. As many as 1 in 4 cancer patients don’t receive the care they need due to insurance company delays and denials.
Insurance companies often delay or deny coverage for life saving treatments, medications, surgeries, chemotherapy, immunotherapy, and even diagnostics. Why? Because these types of treatments are often expensive and paying these claims cuts into their profits. To delay or deny these claims, some insurance companies often employ “Tricks of the Trade”:
- Delaying your paperwork;
- Claiming to need endless clarification from your physician;
- Denying coverage for procedure or medication as “experimental”;
- Claiming the procedure or treatment is not “medically necessary” or is not covered by your policy;
- Accusing you of failing to disclose some pre-existing medical condition;
- Accusing you of failing to make your premium payments as required:
- Denying your claim based on “errors” in the way you submitted your claim;
- Arguing your physician is out of network;
- Paying for only a portion of the procedure or treatment you received;
- Offering you benefits lower than what you are actually entitled to.
Engaging in unethical practices against policyholders in order to minimize payouts and increase insurance profits is INSURANCE BAD FAITH. You should not have to fight cancer and your health insurance carrier at the same time.
If you or a loved one have been subjected to these Bad Faith claim handling practices, please contact our office immediately for a thorough review at no cost to you.