Is a Breach of Contract Considered Bad Faith Insurance?
If you deal with an insurance company intentionally stalling a claims investigation or falsifying reasons for a denial, it could be more than bad faith insurance. Could it be a breach of contract? While both situations involve some type of breach in terms or contracts, they are distinctive from each other. We have handled many Reno insurance bad faith claims in our law office. Let's help clear up any confusion between breaches of contract and bad faith insurance. What Is a Breach of Contract? In the world of [...]
Exposing the True Dangers of Prior Authorization
In the intricate realm of health care management, few processes provoke as much frustration and controversy as prior authorization (PA). It’s a system that the American Medical Association (AMA) refers to as "costly, inefficient and responsible for patient care delays,” referring to the complexities of prior authorization as “a nightmare.” Let’s delve into the multifaceted issues, including the dangers of prior authorization, shedding light on its detrimental impacts on patients, medical providers, and the health care system as a whole. What is Prior Authorization? Also known as pre-authorization [...]
Top Mistakes People Make When Filling Out Proof of Loss Forms
After an accident, storm, or other disaster, you will want to take care of any damage to your home or vehicle. One of the first steps is to start the claims process with your insurance company by filing a proof of loss form. This document is a critical step in indicating your total losses to the insurance company. While it might seem straightforward, many people make errors on these documents. And that could lead to reimbursement delays or even a claim denial. Here are the top mistakes people [...]
What To Do If Your Insurance Company Is Ignoring You
Whether it's to cover the costs of a car accident, a health issue, or damage to our property, insurance is meant to provide a safety net. Insurance isn’t cheap, and it’s reasonable to expect it to be there when we need it, right? But what happens when your insurance company seems to be turning a blind eye to your needs? Dealing with an unresponsive insurance company can be frustrating, but don’t worry – there are steps you can take to ensure your concerns are heard and addressed. Understand [...]
Does Uninsured/Underinsured Coverage Pay for All My Damages?
You expect your insurance policy to cover all the damages when you have been involved in an accident. Many Nevada drivers have the option to purchase additional uninsured/underinsured coverage. If another driver is at fault and has limited or no insurance, it can pay for your losses. But does this coverage pay for all damages? There are a few points to know before you make a claim. What Is Uninsured Motorist Coverage in Nevada? Uninsured coverage reimburses you for any losses or damages suffered due to an accident [...]
Marketplace vs. Employer-Sponsored Health Insurance: Which Is Right for You?
Medical costs seem like they're always increasing. This means some individuals needing medical care face a financial barrier when attempting to get it. Many healthcare providers may even seem hesitant to schedule you for an appointment out of concern you won't be able to afford the out-of-pocket costs, including the initial and follow-up visits, blood work, imaging, medications, and anything else you might need without it. This leads many people to seek out coverage, looking for assurance they can receive the medical care they need. But with marketplace [...]
Can an Insurance Company Cancel Your Policy?
Prices seem to be getting more and more costly for virtually everything nowadays. Most of us wouldn't be able to afford to receive medical care without health insurance. Not only is it illegal, but it would be cost-prohibitive to operate a vehicle (given the prospect of getting involved in a crash) without auto insurance. And making an investment in buying a home (something that could potentially be destroyed by a fire) wouldn't make economic sense if it weren't for homeowners insurance. But what if that policy were to [...]
How Long Does It Take Health Insurers To Process a Claim?
You’ve gone to the doctor, done lab work, needed X-rays, or a specialty procedure. You pay your copay if you have one, and then you go home. Weeks or even months later, you receive an Explanation of Benefits (EOB) letter in the mail from your insurance company. This document shows the medical treatments you had and which of those services were paid to your doctor by your insurance. It also shows which services your insurance didn’t cover and what costs you’re now expected to pay to your doctor. [...]
The Risks of Network Medical Plans and Unqualified Hospitals
You did the right thing. You maintained health insurance coverage through your employer or purchased your own plan through the marketplace, but in your time of need, you ended up at a hospital that couldn’t care for your condition. This is, unfortunately, one of the risks of network medical plans and unqualified hospitals. But at the Law Office of Matthew L. Sharp, we know that patients have more rights than they think they do. We invite you to schedule a no-cost, no-obligation case evaluation with an experienced Reno [...]
Health Insurance and the Protections of Obamacare vs. Non-Obamacare
Going to the doctor shouldn’t mean worrying about whether your appointment will be covered. Unfortunately, understanding the nuances of health insurance and the protections of Obamacare vs. non-Obamacare coverage isn’t easy. Health insurers continue to maximize profits by shrouding coverage benefits and appeals processes in confusion. When policyholders aren’t sure of their rights, they don’t have the confidence or means to do anything about it. That’s why at the Law Office of Matthew L. Sharp, we’re proud to demystify how health insurance works. If you need help securing [...]
