If you are injured in an accident, you may find yourself with unexpected disabilities and medical expenses. When insurance fails to pay for the testing, treatment and rehabilitation that can help you recover, it is important to speak with an experienced Littleton Colorado injury lawyer immediately. A personal injury attorney can help file the necessary claims against the responsible parties and negotiate with insurance companies on your behalf to ensure that all of your medical needs are covered.
When you purchase a medical insurance policy, you are entering into an agreement with the insurance company. As long as you pay your premiums and keep your account in good standing, they agree to cover your medical expenses as stipulated in the contract. If your insurance company fails to uphold their end of the contract, they may be guilty of bad faith practices. A Littleton Colorado personal injury attorney will be able to review your case and determine if your insurance company is at fault.
There may be many reasons why you have been denied medical benefits or disability benefits.
- Not Covered Health Care: A managed care organization (HMO) or insurance company may simply deny your claim on the grounds that your insurance policy does not cover a particular type of service or prescription drug.
- Not Medically Necessary: An insurance company or HMO may also deny a claim on the grounds that the treatment was not “medically necessary”. In order for a treatment, surgery or test to be viewed as “medically necessary”, your insurance company must believe that it was essential for your diagnosis and treatment.
- Experimental Procedures: Many insurance companies and HMO’s will deny claims if the medical procedure is relatively new and in the experimental process. Due to lack of peer reviews and data, a procedure may be considered experimental, even if it is medically necessary.
- Pre-existing conditions: Many insurance companies will simply attempt to deny your claim if they believe your injuries to be related to a pre-existing medical condition.
In many cases, the insurance company is wrong and unfairly denying your claim. A Colorado personal injury attorney can assist you in filing the necessary paperwork needed to have your claim approved. In addition, your attorney will work closely with your physician to ensure that you receive the appropriate treatments for your injuries, while you wait for financial compensation.
At Bahr and Kreidle, our attorneys have extensive experience helping appeal and litigate denied medical benefits claims. Our skilled personal injury attorneys will work with you throughout the entire legal process and negotiate with insurance companies on your behalf, so you can continue to focus on your recovery.