Health Insurance Bad Faith

When you buy a health insurance policy, you create a contract in which you agree to pay policy premiums and the company agrees to pay for medical bills to you and your family as stipulated by the policy. There are different types of coverage of course, but with the high cost of health care, the main reason why we carry health insurance is to make sure that we are able to get whatever medical care we need. When you submit a claim, whether it is from a routine doctor’s visit or due to illness or injury, it is important to remember that your insurance company is a business, and like all businesses, they are concerned with the bottom line. In most cases, the company will pay out on claims as stipulated in the policy, but sometimes insurance companies act in what is called “bad faith.” In short, health insurance bad faith is when the insurance company tries to avoid paying out on legitimate claims.

If you have submitted a claim, and you believe that the insurance company is stalling on your claim, or trying to pay out less than you are entitled to, contact a Denver insurance bad faith attorney right away. The insurance company may be banking on consumers who will not fight for their own rights.

Bad faith by an insurance company can mean several different things. One common tactic insurance companies use is to delay processing of claims for several weeks. The belief is that after 30 days go by, the consumer is less likely to fight for their rights, and may just be relieved to have the claim closed. After the claim has been delayed, the company may offer to settle the claim for significantly less money than is required to cover your medical bills. In some cases, a company may deny the claim outright, saying that some detail prevents them from being obligated to pay. All of these tactics are methods insurance companies can try to use to maximize their own profits. It is important to remember that your insurance company has highly paid lawyers whose job it is to protect the profit line of the company.

If your health insurance company is acting in bad faith, you need an experienced, aggressive Denver insurance bad faith attorney to work as hard to protect your rights as the insurance company’s lawyers are working to protect their profits. The attorneys at the Law Firm of Fuicelli and Lee know how insurance companies work, and they know how to work with them to get you the best possible settlement. In the event that your case goes to trial, Keith Fuicelli at Fuicelli and Lee, PC is an experienced trial attorney who will fight hard to protect your rights. For more information and a FREE CONSULTATION, contact Fuicelli and Lee, PC today at (303)355-7202.