Reno Health Insurance Attorney
Health insurance is supposed to provide financial and emotional protection in the event that a person becomes ill. Additionally, health insurance is purchased in order to help cover the costs of routine medical treatment and care. Unfortunately, many people face numerous roadblocks when pursuing health insurance coverage, especially when it comes to catastrophic injuries or costly medical treatment.
For more than 15 years, Reno health insurance attorney Matthew L Sharp has successfully represented clients in lawsuits against health insurance companies. He fights to get his clients the health insurance coverage that they paid for and are entitled to receive.
If you are involved in a health insurance dispute, contact Reno health insurance attorney Matthew Sharp at (775) 324-1500 to learn more about your legal rights and options.
Health Insurance Coverage and Benefits
There are generally two types of health insurance: (1) individual health insurance, which the policyholder purchases on his or her own behalf; and (2) group health insurance, which is purchased by an employer and provided as part of an employee benefits package. An insurance company’s obligations – as well as policyholders’ rights and options in connection with health insurance disputes – vary depending on whether the health insurance is provided through an individual policy or a group policy.
Under an individual health insurance policy, the insurance company must:
- Promptly pay all valid claims
- Investigate and evaluate all claims before denying or refuse to pay a claim
- Provide a valid reason for a claim denial, including a factual and legal justification for the claim denial.
If an insurance company denies a health insurance claim without a valid legal or factual justification, the policyholder may have a claim for insurance bad faith. Group insurance policies are governed by the federal Employee Retirement Income Securities Act (ERISA). Under ERISA laws, appealing a denial of health insurance benefits can be a difficult and time-consuming process. Accordingly, it is highly recommended that you consult with an insurance disability lawyer as soon as possible for help with the appeals process.
Insurance Bad Faith and Other Health Insurance Disputes
Health insurance companies, like all insurance companies, owe their customers a duty of good faith and fair dealing. If the health insurance company wrongfully denies benefits or otherwise violates the duty of good faith and fair dealing, it can be liable for insurance bad faith.
While there are many reputable health insurance companies, some favor their own interests to the detriment of their policyholders. When an insurance company acts in bad faith and fails to comply with their duty of good faith and fair dealing, the policyholders may be entitled to financial compensation for the damages caused by the bad faith conduct.
Contact a Health Insurance Attorney
For more than 15 years, Matthew Sharp has successfully represented clients involved in health insurance disputes, including claims of bad faith, delay or underpayment of claims, and negligent referrals. Although he handles insurance disputes in variety of contexts, including auto insurance disputes and disability claim denials, he has a particular focus on handling insurance disputes in the health insurance and managed care context. He recently represented victims of medical malpractice in a lawsuit against the Nevada Health Management Organization (HMO) that had referred patients to the subpar medical facility.
If you are involved in a health insurance dispute, do not delay. Contact Reno health insurance attorney Matthew Sharp at (775) 324-1500 today to learn more about getting the health insurance benefits to which you are entitled.
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