Category Archives: Health Insurance
Does My Health Insurance Cover Non-Drug Treatment for Pain?
Pain management is a necessary component of treatment after an orthopedic trauma or surgery. Pain is a disability that inhibits rehabilitation and limits one’s ability to return to the activities of daily living. Most health plans cover the treatment of pain resulting from illness or injury, but how they choose to cover it is… Read More »
Billing Problems: Who’s to Blame? Your Healthcare Provider or Your Insurer?
It would be nice if insurance paperwork were simple, if doctor bills were simple and easy to understand, and if questions or concerns could be cleared up with a phone call. It would also be nice if everyone had a robot maid to do the dishes, but we shouldn’t expect any of those things… Read More »
What is the time limit for filing a medical insurance claim?
The time limit to file a claim differs from insurance company to insurance company as well as among different policies sold by the same insurer. Medical providers generally have up to a year from the date of service to forward the claim to the insurance company, but insurers can shorten this time limit to… Read More »
What Is the Statute of Limitations for Filing a Claim Against an Insurance Company?
A statute of limitations is a law that provides a window for filing a civil lawsuit or criminal charges. Once that window has closed, courts will dismiss any lawsuits or prosecutions which are filed late. Different types of cases have different statutes of limitations set out in state or federal law, and determining the… Read More »
Mental Health and Life Insurance Denials
A recent Yahoo! Lifestyle article (Woman’s Post About Life Insurance Denial for Mental Health History Goes Viral) described the ordeal of an applicant’s denial of $10,000 in life insurance due to the fact that she disclosed a medical history including depression and anxiety on the application. Unfortunately, this woman’s story is far from unique. The health insurance industry has long imposed a double standard regarding mental health and mental illness versus physical health and illness,
Proton Beam Therapy: Insurers say “No, no,” but judges and juries say “Yes, yes!”
Earlier this year, a federal judge in Florida described the conduct of UnitedHealthcare as “immoral and barbaric.” The conduct at issue was the insurance company’s denial of coverage for proton beam therapy to treat prostate cancer. Last year, a jury in Oklahoma described the conduct of insurance giant Aetna as “reckless” in its bad faith denials of coverage for proton beam therapy.
Is the “Experimental” Treatment Turned Down by Your Insurance Really Experimental?
For people dealing with serious medical issues, finding an effective treatment that can improve their quality of life can be a godsend. New treatments are constantly appearing on the scene, and while finding the right medication or treatment that works can be challenging to say the least, the real battle occurs when the insurance company denies coverage for a costly treatment or procedure.
Lipedema Treatment Insurance Coverage Denials
Lipedema is a progressive disease that gradually worsens as it progresses through four different stages. This article addresses what lipedema is, how it is treated, why insurance companies try to deny coverage for treatment, and what can you do about it if you are one of the millions of lipedema sufferers in the United States.
Insurance Fraud
Despite written agreements and laws regulating their conduct, many insurance companies try to take advantage of customers who do not fully know their rights. Unscrupulous companies will go so far as to defraud customers to swindle them out of money to which they are entitled.
Insurance claim unfairly denied?
How to fight back against your insurance company if your claim is denied in bad faith
You were recently injured in an accident, and you made a claim with your insurance company, expecting fair and reasonable compensation based on your policy and benefits. Perhaps you’ve been paying this insurance company for years, expecting you’d be covered in the event of an accident and/or injury.
