Accidents, hospital stays, and major illnesses can be stressful experiences for families. In addition to the emotional and physical challenges as a result of an illness or accident, there are undoubtedly going to be financial issues as well. Often, many people assume that their insurance will cover an accident or hospital stay, but this is not always true. Here's what to do if your insurance claim is denied.
1. Read Your Policy Again
If it's been years since you took out your insurance policy, going over it with a fine-tooth comb after your insurance claim is denied is a smart move. Check to make sure that you adhered to your part of the agreement, such as making timely payments and not allowing the insurance coverage to lapse. Also, check for information that lets you know how to go about filing an appeal.
2. Gather Copies of All Medical Records & Other Information Related to Your Claim
When you appeal your denied Florida insurance claim, you'll need to have all documents related to your case available. Before you get involved with an appeal, take some time to gather all copies of your medical records, accident photos, and any other information that is pertinent to your case. Never provide your insurance company with original documents -- instead, make plenty of copies to go around and keep the originals in a safe place.
3. Contact Your Insurance Company For Details About the Denial
The next step to fighting a denied insurance claim is to get in touch with your insurance company to get as many details about the denial as possible. There's a possibility that the denial resulted from a simple paperwork error, or a fixable issue on the insurance claim form. Often, claims are denied simply because an incorrect billing code was entered by your provider or by the insurance company. If the denial is more complex, ask for all of the details so you can better understand the situation. You will want to know the basis upon which your claim was denied, and where to find that information in your policy. Be sure to get the name and telephone number of the insurance agent you speak with.
4. Contact a Skilled Attorney For Denied Insurance Claims in Florida
Dealing with a denied insurance claim can be complicated, especially when you're already dealing with illness and injury. By contacting a seasoned Florida lawyer that specializes in denied insurance claims
, you can take a proactive approach to your situation and give your case a strong foundation for an appeal.
At the Law Offices of John D. Ameen, P.A., we have the experience and resources needed to help you reverse your insurance company's decision and get your claim covered. We understand how frustrating dealing with a denied insurance claim can be, and we will work hard to give your case the best possible chance of success. Contact us today for a consultation by calling toll free at (800) 555-4011.