Phoenix Medical Coverage Attorney: Phoenix, Scottsdale and throughout Arizona

Get help from an experienced Phoenix medical coverage and Arizona health insurance claim denial lawyer at the Law Offices of Shane L. Harward.

Insurance companies deny medical coverage when their policyholders need it most. Claiming that a client had a pre-existing condition that justifies denial; processing the claim slowly; or asserting that treatment was “experimental” and not covered, are just some of the manipulative strategies insurance companies use to get out of paying insurance benefits. Other strategies insurance companies use are covered in the Insurance Bad Faith Overview. These bad faith tactics can lead to

• Damaged credit from unpaid medical bills
• Unnecessary pain, stress, and anguish
• Uncertainty and anxiety about how hospital costs will be covered
• Fear that the insurance policy will be cancelled
• And, if coverage is denied or delayed for expensive, life-saving procedures, the insurance company’s claims decisions can literally be responsible for the death of their insured

Some insurance companies just don’t want to pay.

When specialized medical treatment is necessary, the insurance company may refuse payment. Or, when a health insurance claim is processed, the company may do whatever it takes to avoid paying. This is most common when the claim is of significant size.  And, in some cases, the insurance company will cancel the policy. You may be left with no insurance coverage at all.

Too often, insurance companies practice post-claims underwriting: they draft and sale the insurance policy; they collect your premiums; but when you get ill or injured and rely on your health insurance, some insurance companies launch an intricate investigation in to your policy application and past medical history looking for any excuse to deny your claim. This may lead to devastating health and financial repercussions.

The insurance company adds to your struggles with a Health Insurance claim denial.

This may be a violation of Arizona’s Insurance Bad Faith Law. If the law is being broken and you have been mistreated by an insurance company, you have rights.