Health Care Insurance Claims Denials in Norman

Every day people in Norman and across the state of Oklahoma receive mail from their health insurance companies denying their medical claims. This news catches policyholders off-guard; most never questioned the validity of their claims. How can something like this happen?  What can be done?

Insurance companies are organizations that operate in the best interests of their shareholders, not their policyholders. There is an overriding incentive to maximize revenues (by selling policies) and minimize expenses (by denying and underpaying claims). Unfortunately, this can result in delayed and denied medical  treatment and significant medical debt.

You don’t have to accept your health care insurance company’s initial response as final; there are steps you can take.

At times like this, the assistance of a Norman health insurance claims denial lawyer can be particularly valuable; this professional knows how to effectively address denied claims. Their assistance can make a tangible difference in the outcome of your claim.

Has your medical insurance claim been denied?  If so, reach out to the team at Doug Terry Law in Norman today at 405-463-6362 and schedule a free consultation. They can investigate your case, determine if it was denied in bad faith, and help you respond appropriately.

Choosing the Right Firm to Represent You

Doug Terry Law’s Experience, Knowledge, and Commitment Are Distinguishing Characteristics

If you expect that your medical claim denial was the result of the bad faith actions of your insurance company, engaging a Norman bad faith claim’s denial lawyer can help to rectify the situation. But identifying the right firm for you can be challenging.

When making this decision it is important to do some research. You want to work with professionals who have relevant experience and in-depth knowledge and who are committed to helping individuals like yourself.

Our team in Norman is led by Doug Terry,a health insurance claims denial attorney who founded our firm after years representing insurance companies. His past experience allows him to address his clients’ claims from a unique position. He has seen how insurance companies operate and can leverage what he learned to address their tactics and prove bad faith.

Doug has spent his entire life in Oklahoma. After founding his firm in 1999 he changed course and began to defend those who have been wronged by their insurance companies. For decades he has supported those in his local community, experiencing considerable success.

As part of his commitment to righting the wrongs of insurance companies in Norman, Doug offers all prospective clients a free consultation. He believes these interactions provide his clients a clearer understanding of what he can do for them. Insurance denials are personal and frightening; comfort with the professional you engage to represent you is critical. Additionally, the firm has a contingency payment policy offered to clients who, in our opinion, have solid claims.

We are well-regarded in and around Norman, Oklahoma for our detailed oriented, compassionate approach to service as well as our record of success. Reach out to our team today to schedule your no-cost consultation and learn how we can make a difference for you.

What Our Norman Health Insurance Claims Denial Attorney Will Do for You

Maximizing Your Settlement and Minimizing Your Stress Are Our Ultimate Goals

Receiving a denial letter from your medical insurance carrier is overwhelming. Medical care is costly and you depend upon your insurance company to pay for your treatment as outlined in your policy.

Recognizing that there is an issue with the response you received and managing the process to resolve it is complicated; especially if your insurer acted in bad faith.  When you work with Doug Terry Law in Norman, Oklahoma you can rest assured that our Norman denied claims attorney will efficiently and effectively handle all aspects of your case. You can expect us to:

  • Provide a free consultation.
  • Review your health insurance policy.
  • Examine your claims submissions.
  • Analyze the responses from your insurance company.
  • Determine why your claim was denied.
  • Recognize acts of bad faith.
  • Identify and quantify costs sustained as a result of the initial denial.
  • Negotiate with your insurance company.
  • Leverage expert witnesses if necessary.
  • Answer your questions and address your concerns.
  • Litigate if necessary.

In short, you can rely on our team to handle the entirety of your case, from beginning to end, while always keeping you apprised of our progress. When the insurance company provides a settlement offer, we always communicate it to you – you have the ultimate power to accept or deny what they offer. Of course, we will provide guidance on the quality of their settlements.  In no case will we encourage you to accept an offer that we believe does not compensate you adequately. We are confident in our litigation skills and will not hesitate to go to court if necessary. Your health insurance company is required by law to act in good faith and should be held accountable when they don’t.

Addressing Your Frequently Asked Questions

Of course you have questions regarding your denied health insurance claims. The complexity of the language and process make these common. While specific questions require information on your case, there are many more general concerns that arise regularly. We have shared some of those, along with our responses, below.

I just received a health insurance denial letter. When should I contact Norman Bad Faith Insurance Lawyer? 

Right away. Our team offers all potential clients a free consultation during which we can review your situation and provide information on how to proceed. It is important to remember that there are time limits on appeals, so you should act quickly.

What actions by my health insurance company may be considered bad faith? 

Our insurance claim denial lawyer in Norman will review your personal situation and identify actions of bad faith. These may include delaying payment without explanation, purposefully undervaluing the claim, misrepresenting your coverage, and failing to properly investigate your claim.

What type of expenses/damages may I be entitled to if my insurance company is found guilty of bad faith?

If your insurance company is found guilty of bad faith, monetary compensation equaling up to three times what the insurer would have paid had they not acted in bad faith may be awarded.  You may also be compensated for legal and court costs as well as interest charged for late medical payments. Finally, damages may be assessed for emotional pain and suffering, and when the insurance company’s behavior is particularly extreme, punitive damages may be awarded. Your bad faith insurance attorney in Norman can review your case and let you know what you can expect.

How long do I have to file a bad faith lawsuit.

The statute of limitations for bad faith insurance claims, according to Oklahoma law, is five years. Waiting longer than that to file suit means your case will not be heard. You should reach out to a Norman Health Insurance Denied Claims lawyer immediately.

We hope this general information helps you better understand bad faith insurance claims. Contact us at 405-463-6362 to schedule a free consultation where we can respond to concerns relating directly to your situation.

We Are Ready to Address Your Bad Faith Health Insurance Denials

Our Norman Health Insurance Denial Lawyer Knows How to Proceed

The fallout from a denied health care claim is multifaceted. In some cases, it means you are not getting the treatment you need, while in others it means you have been left financially responsible for your medical care – an amount of money that can be life-changing. Both situations are stressful and knowing how to proceed can be overwhelming.

This is where Doug Terry Law can help. Our team in Norman, Oklahoma is well-versed in insurance law and experienced in handling cases like this. We appreciate the strain your insurance denial has put on you and your family and are ready to help you address it. We take the time to fully investigate your situation, paying attention to every detail. Our team is well known for the manner in which we communicate and the approach we take to serving our clients.

Call us today at 405-463-6362 to schedule your free consultation and learn exactly how we would address your specific concerns.

Attorney Doug Terry

Lawyer Doug TerryAfter 25 years practicing in a larger firm, Doug chose to open his own practice in Oklahoma City. He brings his wealth of knowledge and his skills as a litigator to bear for his clients in matters of insurance bad faith, personal injury cases and class actions. Doug has the distinction of being awarded a Martindale-Hubbell “AV Preeminent” rating from his peers in the legal community. He has also been selected as an Oklahoma Super Lawyer. [ Attorney Bio ]

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