California Health Insurance Claim Denied
Your health insurance claim in California can be denied for a myriad of reasons. One of the most common reasons given, however, is labeled as "material misrepresentation." This is a term used whenever an insurance company deems that you have misrepresented some fact or facts on your initial or renewal application. Under California law, this error has to be something that is significant enough that it would have led the insurer to refuse your policy originally.
Typical examples of material misrepresentation include unreported or underrepresented levels of tobacco or drug use, the exclusion of a chronic medical condition, dangerous hobbies, piloting, skydiving, or a history of reckless driving. You cannot be denied for simple misstatements, however. For example, if you say you have green eyes on your application and the insurance company lists them as "hazel," your claim cannot be denied.
What to Do When Your California Health Insurance Claim Has Been Denied
The simple solution to any denial is to hire an experienced lawyer. All health insurance companies are not created equal; each denies or accepts claims based on a unique set of standards. At Kantor & Kantor, we represent California men and women who have been denied valid health insurance claims for any reason.
Denial cases can vary, and we are highly adept at finding creative ways to present and fight cases to their successful conclusion. When you come to us with your health insurance claim case, we'll start investigating it right away. Get started today by calling us toll-free at 1-800-4INSLAW (1-800-446-7529) or via email.