Write a Health Insurance Claim Denial Appeal That Works

March 26, 2024

Health insurance claim denials are a problem that many in Oklahoma City and across the state deal with daily. Health care is costly.  When claims are denied, one of two things results:  either the individual whose claim was denied does not receive the medical care they need, or the financial burden of paying for necessary treatment falls upon the individual themselves. When a claim is unfairly denied, neither option is acceptable. Unfortunately, many simply don’t know how to respond appropriately. In cases like this, addressing the denial with an appeal letter is the first course of action. Completing this task appropriately is important, as errors in the process may result in the insurance company’s refusing to review your case or denying your claim once again. Engaging the assistance of a health... Read more

Aetna to Pay $3.4 Million in Proton Therapy Case

March 14, 2024

Aetna Denied Coverage of Proton Therapy Cancer Treatment for 142 Patients According to the Centers for Disease Control (CDC), more than 1.6 million individuals are diagnosed with cancer each year, with over 600,000 losing their battle. Understanding this, it’s no surprise that considerable resources are focused on research and new treatments constantly arise. Proton beam therapy, a relatively new radiation treatment, has proven successful in treating a range of cancers; it is safer and more effective than X-ray or photon-based treatments. Thus, oncologists across the country are relying on it to help their patients. Unfortunately, insurance companies commonly reject health insurance claims for this treatment, negatively impacting the health of their policyholders. In one instance, Aetna, in particu... Read more

Did Your Auto Insurance Company Act in Bad Faith?

March 8, 2024

Each year, the National Association of Insurance Commissioners tracks the top reasons why insurance customers complain about their auto insurance coverage… and each year, “denial of claims” makes the top three. It’s not surprising that every day in Oklahoma auto insurance companies deny and delay claims. In some cases, their decisions are warranted, but in many others they are acting in bad faith. When you purchase your car insurance policy in good faith, and pay your premiums on time, you expect that your claims will be paid expeditiously and in accordance with your policy. Unfortunately, this doesn’t always happen. It’s not surprising that if you receive a denial letter you are frustrated. Understanding the reasoning behind the denial is key to knowing what to do. Individuals living in ... Read more

Which Health Insurers Deny the Most Claims?

March 5, 2024

If you paid your health insurance premiums on time, believed the treatment you received was covered, and submitted your claim correctly, you likely assumed it would be paid appropriately and in a timely fashion. A denial of the claim would likely leave you frustrated at the process and worried about your financial responsibility. These concerns are real . . . but there is good news. You do not have to accept your insurance company’s denial as final. There are steps you can, and should, take. Knowing what to do and who you can rely upon for help is the first step toward appealing your claim. Health Insurance Claim Denials Are Common The Kaiser Family Foundation Tracked Insurers’ Denial Rates Insurance claim denials are aggravating; if you have experienced this you know exactly what we mean. Un... Read more

Why Do Insurance Companies Take So Long To Pay Out?

February 12, 2024

In a perfect world, everyone would get their insurance payout within a few days of filing their claim. We don’t live in a perfect world, though. If you’ve ever filed a claim with an insurance company, you know that it can take weeks, months, or sometimes even years to receive a payout. In some cases, it might even feel like the insurance company is intentionally delaying your claim. What Happens During the Insurance Claim Process? One reason why insurance companies can take so long to pay out is that the claim process can be pretty complicated. Here are the typical steps involved: Connecting with the Insurance Company The first step is always getting in touch with either your or the responsible party’s insurance provider. This is the beginning of the claim filing process. Investigating... Read more

How Do I Prove a Bad Faith Insurance Denial?

January 15, 2024

Insurance policies are designed to provide a safety net during times of need. However, there are instances where an insurance company may act in bad faith, meaning they fail to fulfill their contractual obligations to policyholders. Proving bad faith insurance handling is a challenging but essential process if you believe your insurer is not acting in your best interests. The dedicated team at Doug Terry Law is committed to helping clients hold insurance companies accountable for their actions. With our experience in insurance law, we stand by your side to ensure you receive the coverage and compensation you rightfully deserve. What Is Bad Faith in Insurance? The term “bad faith“ describes an insurance provider that is attempting to renege on its obligations to a client. They may do this by refus... Read more

Why My Car Insurance Was Denied

December 19, 2023

A Car Insurance Denied Lawyer Is Your Best Resource Buying  a car is a major transaction. For many, other than their homes, this is the most valuable asset they own. Thus, they know and understand the value of protecting it through the purchase of car insurance. Most car owners carefully consider which insurance company to use; they review multiple organizations’ policies and select the one that best meets their needs. Of course, they make this purchase hoping they will never need to use it, but believing that if they do, their insurance company would act in good faith and pay their claims quickly and completely. Unfortunately, the opposite is quite often true Even large, established and seemingly reputable insurance companies regularly delay and deny car insurance claims. Insurance companies a... Read more

Is Your Insurer Committing Bad Faith? What Can You Do?

November 9, 2023

You have researched the plan, paid your premiums, and submitted your forms. Most people would consider these the right steps to take when making an insurance claim. Based on these reasonable actions, they would also assume that their claim would be appropriately paid in a timely fashion. Unfortunately, this does not always happen. In fact, insurance companies are known for delaying, underpaying and outright denying claims. While some claims may be invalid and others may be submitted incorrectly, it is not uncommon for insurance companies to treat their policyholders unreasonably and unfairly.  If this sounds like your experience, you should seek the advice of a seasoned and reputable lawyer. Consulting an Oklahoma City insurance claim lawyer can provide the necessary expertise and support in navigating th... Read more

Why Do Insurance Companies Deny Claims?

October 26, 2023

Have you recently filed an insurance claim and been disappointed at the response you received? If so, you are not alone. More often than not, insurance companies delay, deny and even underpay claims, placing an undue financial burden on their policyholders and leaving them bewildered. And this tactic is not specific to one line of insurance coverage. In fact, health, auto, disability, homeowners, and long-term care claims have a history of being delayed and/or denied. This is confusing to many. When you enrolled in your insurance plan, you likely did so believing that, if you paid your premiums on time and in full, the insurance company would appropriately reimburse you for your expenses as outlined by your policy guidelines. It seems simple, right? Sadly, the world of insurance claim payment is rarely ... Read more

What To Do if a Health Insurance Claim Is Denied

September 19, 2023

Each year millions of medical insurance claims are denied, leaving consumers disappointed and facing severe health and financial consequences. What many believe should be a simple process, resulting in their being reimbursed according to their health care plan guidelines, is often frustrating and incredibly challenging. They have learned that sometimes, even when they do everything correctly, they end up disappointed with the outcome. When health care insurance claims are at the heart of the matter, this seems to be true more often than not. You see, health insurance companies are well-known for denying claims. Many consumers mistakenly believe that their health insurance carriers have their policyholders’ best interests at heart. Unfortunately, they don’t. Their loyalties do not lie with their p... Read more