When To Hire A Lawyer To Help You With Your Insurance Claim

2 December 2016 by Jonathan Phillips

Access to viable insurance policies make it easier for individuals to receive the healthcare they need in a timely and affordable manner. Unfortunately, you may find that your health insurance company can transition from friend to foe after you have filed a claim. If you are experiencing difficulty when working with your insurance company, it can be beneficial to hire a lawyer to deal directly with your insurer on your behalf.

Here are three situations where having the help of a skilled attorney can be beneficial in allowing you to resolve a problem with your health insurance company.

1. Your insurance company refuses to pay your claim.

If you have received a notice from your insurance company letting you know that they are refusing to provide payment for your claim, you should consider hiring an attorney to help you access the financial assistance you are entitled to.

Your claim may have been refused due to a clerical error in coding, or your insurance company may have inadvertently labeled the medical care included in the claim as being elective. An attorney will be able to elicit a response from your insurance company letting him or her know why your claim was denied, and any errors preventing payment can be fixed by your attorney to ensure your claim is paid in a timely manner.

2. Your insurance company is offering an insufficient amount.

Sometimes an insurance company will only offer to pay for part of a medical claim, leaving the policyholder responsible for footing the rest of the bill. If your insurance company has indicated that it is unwilling to pay for the full amount of your medical claim, you should consider hiring an attorney to help you resolve the issue.

Medical expenses can create an unnecessary financial burden on you and your family, so working with an attorney to access the full financial benefit you are entitled to under your insurance policy will allow you to avoid the stress associated with medical bills left unpaid because your insurer offered an insufficient amount.

3. Your insurance company is stalling.

If you are having a hard time getting a straight answer from your insurance company regarding the delayed payment of a legitimate medical claim, it could be time to hire an attorney.

Your lawyer will be able to legally demand answers on your behalf and could threaten the insurance company with a lawsuit if they fail to process and pay your claim quickly. Having the legal backing of an attorney could help you resolve any stall tactics being used by your insurance company to delay payment of your claim.

Hiring an attorney to help you deal with your medical insurance provider can be a beneficial way to more effectively handle issues with the payment of a medical claim in the future.

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