It’s an experience so common that most people have been through it at least once in their lifetime—an unexpected insurance denial. But for as often as this happens, far fewer people ever appeal the decision. So why is appealing a health insurance denial so complicated, and is there anything we can do about it? Insurance companies shouldn’t be allowed to play games with your health. If you’re dealing with a denied claim and need help, please contact the Law Office of Matthew L. Sharp. We’ll match you with [...]

You paid your insurance premiums on time, every time. And now that you need help with your claim, the insurance company is being anything but cooperative. So how do you know when you can file an insurance bad faith claim? If your insurance claim has been denied or you think you’re being treated unfairly, an insurance bad faith lawyer from our Reno office can talk you through your options. Key Highlights: Every insurance company has a duty to treat policyholders fairly. Many insurers choose to unfairly deny claims—a [...]

Your doctor wants you to receive a certain treatment, but your insurance company said “no.” And now you’ve learned that your insurer is well known for denying seemingly valid claims. If you had access to that information, you might have made a different decision when deciding on an insurance provider. So why are health insurance claim denial rates kept private? Health insurance companies choose to keep their denial rates private for a very simple reason. Their priority has always been profits over people. (more…)

You might have grounds to sue your medical insurance company for bad faith if it denies your claim without a justifiable reason or if the insurer did not adequately review your claim. The first thing to do is to review your contract to determine whether the insurer has breached it. Next, compile evidence and documentation of your claim. Also, document all your correspondence with the insurer and its reasons for denying the claim.  Make a final demand before initiating a lawsuit. Then, submit a complaint to your state [...]

If you continue to suffer connected losses after an accident-caused injury, you may wonder, “Can a closed insurance claim be reopened?” Sometimes, the injuries you suffer due to someone else’s carelessness lead to ongoing problems or additional health issues. You might anticipate continued medical bills and related losses from lost wages. Can a Closed Insurance Claim Be Reopened? Unfortunately, if you accept a settlement, you typically can’t reopen an insurance claim, which is precisely why you need a knowledgeable lawyer on your side.  Too many individuals accept low [...]

Insurers deny coverage for necessary medical treatment for varying reasons, sometimes legitimate and other times, unethical. Insurers may also deny coverage due to a mistake. When insurance companies refuse to pay claims for valid reasons, people may lack many options for recourse.  However, if your claim was denied for illegitimate reasons, or otherwise in bad faith of your agreement, you may have options to appeal or pursue the action further.   What Is Medical Necessity? Medical necessity generally refers to a reasonable treatment, service, or procedure that helps someone [...]

You will know you are a victim of bad faith insurance if your insurance company fails to meet its policy obligations or adhere to state laws. The bad faith insurance practices employed by your insurer will depend on whether you are pursuing a first-party or third-party claim. Generally, an insurance company acts in bad faith when it fails to investigate your claim properly, denies your claim without a justifiable reason, or tries to misinterpret policy terms or laws.  If your insurance company is subjecting you to unnecessary stress [...]