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 [...]
Why Is Appealing a Health Insurance Denial So Complicated?
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 [...]
How To Know When You Can File an Insurance Bad Faith Claim
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 [...]
Why Are Health Insurance Claim Denial Rates Kept Private?
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…)
How to Sue Your Medical Insurance Company for Bad Faith
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 [...]
Can a Closed Insurance Claim Be Reopened?
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 [...]
