When your health insurance does not cover unexpected medical expenses, it can leave you exposed to undue financial hardship. This is an alarmingly common phenomenon across the United States because it’s in the best financial interest of insurance providers to limit payouts as much as possible. If your insurance provider refuses to cover a necessary procedure, contact Murray & Associates for a legal consultation.
Insurers use a similar rationale for underpaying on a claim as they do for denying a claim altogether. Common reasons for underpaying include:
There are three basic steps you should take before contesting a claim:
Secure all documentation, including electronic records of the entire claims process. Generally, the more information, the better, especially if the underpayment leads to litigation.
Review your insurance contract. If an insurer underpays a claim, the burden will ultimately fall on you to prove that they did so. In this case, understanding the specifics of your contract will help you understand whether they breached their responsibilities.
Hire a legal expert. Examining a healthcare claim is highly complex, and the process of contesting a payout is often frustrating. An attorney can review your case, create an action plan, and improve your chances of obtaining fair compensation for your healthcare bills.
Murray & Associates is here to provide legal guidance in your insurance disputes. Call our office today to schedule a consultation!