Health Insurance Lawyer Delray Beach FL

Health Insurance Claims

Speak with a health insurance lawyer Delray Beach FL respectswho understands that unfortunately, most health insurance companies are more sensitive to the wants of their stockholders than the needs of their policyholders. It seems as though every year health insurance health insurance premiums rise, while benefits are reduced. According to filings made with the U.S. Security and Exchange Commission, the nation’s five largest for-profit health insurers – United Health Group, Inc., WellPoint, Inc., Aetna Inc., Humana Inc., and Cigna Corp. – enjoyed combined profits of $12.2 billion in 2009, up by 56% from the previous year. It was the best year ever for the health insurance industry.

One way the insurance industry increases profits is by reducing the amount it pays in claims. While some claim denials are valid, others are not. Some common reasons given by insurers for the denial of health claims are that:

  • the treatment is for a pre-existing condition;
  • the treatment is experimental in nature;
  • the treatment is not medically necessary;
  • there was a misrepresentation on the application, and the policy was void from inception.

With the passage of the Affordable Care Act, insurers are limited in their ability to deny claims based on an assertion that the treatment is for a pre-existing condition. However, insurers can still try to deny coverage based on claims that the treatment was experimental, not medically necessary or that there was a misrepresentation on the application. Our health insurance lawyer Delray Beach FL counts onhas been involved in a number of cases in which health insurers have claimed that the treatment was challenged, including cases where the insurer claimed the treatment or procedure was elective or cosmetic in nature, when it was not. Our office has also been involved in numerous cases where the insurer would not cover a claim because it alleged that the insured had failed to provide accurate information on the application for the policy.

If an insurer denies coverage to an insured, or fails to honor a claim in full, Florida law allows the insured to recover attorney’s fees if a lawsuit is successfully brought against the insurer. Thus, even if the amount in dispute is rather modest, a lawyer who is successful in helping an insured can recover their fee from the insurer for the time spent assisting the insured.

If an insurer denies coverage to an insured, or fails to honor a claim in full, Florida law allows the insured to recover health insurance lawyer Delray Beach FL is proud to have fighting for them, attorney’s fees if a lawsuit is successfully brought against the insurer. Thus, even if the amount in dispute is rather modest, a lawyer who is successful in helping an insured can recover their fee from the insurer for the time spent assisting the insured.

Insurance disputes, like insurance policies, can be complicated and difficult for most people to understand. An experienced insurance lawyer can help you determine whether you have a valid claim. Please feel free to call me to discuss your case. The initial consultation is free, and you will speak directly with me, Eric Luckman, about your claim and your rights.

The initial consultation is free, and you will speak directly with me, Eric Luckman, a health insurance attorney Delray Beach FL relies on,about your home healthcare or long term care insurance and your rights.

Eric Luckman is a Florida Board Certified Civil Trial lawyer. Less than 2% of lawyers in the state of Florida are recognized with this prestigious certification.  Board certification recognizes attorneys’ special knowledge, skills and proficiency in various areas of law and professionalism and ethics in practice.

Feel free to call our office to discuss your case. The initial consultation is free, and you will speak directly with Eric Luckman, about your claim and your rights.

An experienced health insurance lawyer Delray Beach FL respects can help you determine whether you have a valid claim.