JACKSON, Mississippi. If you are facing a denial of health coverage or if your insurance company has refused to pay for a claim, it can be helpful to understand your rights. In some cases, individuals choose to seek the guidance of a denial of insurance coverage lawyer like Heilman Law Group, P.A. to assist them with their claim. However, there are several steps you can take to protect yourself if you have been denied coverage. Documenting your actions and asking for information in writing can help you protect your rights. Here are some steps you can take:
Ask why your claim was denied: Your insurance company must let you know why your claim was denied. If you are being denied coverage, you can ask your insurer to let you know in writing. If you still believe you were wrongly denied coverage or that your claim was rejected for the wrong reasons, a denial of insurance coverage lawyer may be able to help you protect your rights.
Ask to appeal the denial: You have several options when it comes to appealing a denied claim. You can ask for an internal appeal. According to HealthCare.gov, you can request that your insurance company perform an internal review of its decision. You can also ask an independent party to review your denied coverage.
Sometimes a phone call is sufficient: Sometimes your doctor puts in a wrong code or paperwork is mishandled. In many cases a simple phone call can resolve the matter. If your claim has been denied, call your insurance company and ask the company to explain its process for handling the appeals process. Always record the names of people to which you speak and take detailed notes of when you called and what answer you were given. If you need to pursue your appeal with the assistance of a lawyer, these notes could be beneficial.
When you may need help: Sometimes individuals are denied coverage because their insurance company doesn’t believe that the treatment they are receiving is medically necessary. In other cases, you may disagree with your insurance company about the method of treatment. According to the Wall Street Journal, many appeals are contingent on proving that the treatment is covered under the language of your policy. When this happens, it can be very helpful to understand the technical knowledge of your policy. This is where it can be useful to have the Heilman Law Group, P.A., denial of insurance coverage attorneys in Jackson, Mississippi. Our firm can look at your policy, file appropriate paperwork, and help you get the coverage you deserve under your policy.
If you have been denied coverage, you may be facing many stresses. It can be frightening to not know how your medical bills are going to be paid. Fortunately, the law offers many remedies for individuals and families facing denial of coverage. However, it is important that you take steps to protect your rights.