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Health Insurance Attorneys in Seattle

Taking on Health Insurers with Confidence

For so many Americans, health insurance policies are the only things between them and a financial crisis after suffering a serious injury or illness. When a policy works as intended, it can mitigate the majority of payments required for medical treatments. A denied claim, though, can leave you stuck with massive bills and no way to pay them. What should you do?

Come to Kantor & Kantor, LLP, of course. Our Seattle health insurance claim lawyers deal with denied insurance claims for clients just like you. After your insurance company rejects your claim, let us fight on your behalf while you focus on your health.

Many people in Seattle choose our lawyers because we have:

  • 160+ years of total experience
  • Thousands of case victories
  • Super Lawyers® attorneys on staff
  • Free case consultations

Discover the benefits of working with us yourself by dialing (877) 783-8686.


Why are Health Insurance Claims Denied?

Health insurance companies will be eager to get the chance to deny a claim. However, they know that they cannot deny a claim without reason unless they are willing to accept the high risk of being sued and potentially penalized for wrongdoing. Instead of flatly denying a claim, an insurer will try to find any small detail to come up with an excuse to deny your filing.

Five of the most common reasons why health insurance claims are denied:

  • Missing information: An incomplete medical form can be enough to cause a healthcare insurance provider to deny a claim. Missing information is supposed to be significant enough to alter the outcome of the claim in order for it to warrant a denial. Some dishonest insurers might use the slightest piece of missing information to “justify” denying the claim entirely, like a missing middle name on a medical form.
  • Lack of coverage: Health insurance policies will only cover certain procedures and treatments deemed to be “medically necessary.” If you receive a treatment that is not described under your health insurance policy, then your claim could be denied. Insurers like to get into the finest details to try to avoid paying a policyholder. For example, if you underwent minor surgery with localized anesthesia but your policy only describes general anesthesia, then your insurer might try to deny paying you any benefits coverage.
  • Exceeded limits: Your insurance policy will have a coverage limit that usually resets each year when the policy renews. A health insurance claim can be rejected if you seek coverage for treatment after you have already hit the insurance cap.
  • Billing errors: Sometimes a health insurance claim denial is not your fault at all and also is not really the insurance company’s fault. Instead, an issue can occur after your healthcare provider tries to bill your insurer for your treatments. Billing errors can halt payments, triggering denials even though your treatments were covered, and you have not hit your annual policy limit.
  • Out-of-network care: Healthcare insurance providers are highly specific about what doctors and medical groups are in their network. Most policies will not provide any coverage at all if you get treated by a medical provider or group belonging to another network, even if you get an approved treatment.

How Do You Fight a Denied Health Insurance Claim?

A health insurance claim that is denied is not the end of the road for your finances. You always have the option to challenge a denial, which is a multistep process. To keep this process simpler for yourself, place your case in the hands of our capable Seattle healthcare insurance denial attorneys.

Typically, there are five steps to every health insurance claim challenge:

  • Review the denial letter that should have been mailed to you to pinpoint exactly why your initial claim was denied.
  • Double-check your own insurance policy to get a clear understanding of your health insurance policy covers and what it excludes.
  • Speak with an insurance claim denial attorney like the team you can find here at Kantor & Kantor, LLP to get a full idea of your options.
  • Create an argument against the wrongful denial or allow your attorney to act on your behalf.
  • File an official appeal that explains your argument and demands a fair conclusion, such as reversing the denial.

With a little bit of luck and a lot of skill from your lawyer, your appeal will be successful, and the insurance provider will approve your health insurance claim. Additional steps will be necessary if the insurer rejects your appeal. Ultimately, your case can go to court for a judge’s decision, which is a situation you do not want to enter on your own. Again, an attorney by your side will make litigation simpler for you.

Taking Cases Against Major Insurance Companies

Who is your healthcare insurance provider: Anthem Blue Cross, Blue Shield, Aetna, Health Net, Kaiser, Met Life, or another insurance company? No matter your answer, our Seattle health insurance lawyers can guide you through an appeal and represent you as needed. All you need to do is get in contact with our team, put us in charge of your case, sit back, and relax while we get to work.

We should discuss your case today. Call (877) 783-8686.

What Sets Us Apart?

  • Free Case Consultations Provided
  • 160+ Years' Collective Experience
  • Thousands Of Cases Successfully Handled
  • You Don't Pay Us Unless We Recover Your Claim
  • Selected For Inclusion In The List Of Super Lawyers®

Client Testimonials

  • You have restored my faith in the goodness of people!

    “Thank you Glenn for accepting my case. I had all but given up on finding an attorney that was willing to take this case, and although you may not remember, I enclosed a note to you when I sent my [ins. co.] file asking you to please help me. You did that sir, and I can't thank you enough. My thanks to you Corinne for pursuing my case with vigor. I don't know much about how these legal things are handled, but I could tell by your communications with me, making sure I was always informed, that you were on top of it all. Also, you were ALWAYS available to me to answer questions, and your compassion for me and my situation is so much appreciated. I have had limited exposure to the legal system and attorneys, but I have never been able to just call and talk to them, as I could with you. I always had to speak with someone in the office that couldn't really answer my questions. My sincerest thanks and best wishes for you both You have restored my faith in the goodness of people!”

    Dick H.

  • The light at the end of the tunnel was masked, but we found it!

    “I'm sending my heartfelt wishes to you and your team for a wonderful holiday. We celebrate Christmas this year with a lighter heart than past years - knowing how you made a difference for us and for so many others. The light at the end of the tunnel was masked, but we found it! And so, cheers to you and your incredible team. Have a wonderful and safe new year.”

    J.

  • There are no words that can express the feelings of gratitude and relief I have that you helped us.

    “I wanted to thank you again for all of your help. My daughter would not be in treatment without your help. I can never thank you enough, there are no words that can express the feelings of gratitude and relief I have that you helped us, and I believe saved my little girl. Taking her back to Timberline Knolls was very difficult in many ways, I wish UBH could know the damage they have done to her by having her go in and out like this. When she went into Timberline Knolls the first time she was not happy to go exactly, no one wants to go into treatment, but she was open to going in and ready, for the first time, to really look at her issues and work hard to get better. When she had to leave Timberline she expressed that she wished she could have stayed because she felt like she was finally at a place where she was getting better and, though it was hard, she was really opening up and dealing with her issues for the first time, something she has had a hard time doing. I just wanted you to know that she was going down to a really bad place and without you I don't know what would have happened except that she would not be at Timberline Knolls right now getting better and I thought you should know this. With unending gratitude.”

    R.

  • Thank you for all of your hard work, support and belief in our case.

    “Hi Elizabeth - You have been such an important part of my and Jennifer's past year, and I want to send you a note to wish you a wonderful holiday. Thank you for all of your hard work, support and belief in our case. Thank you seems like two small words and not enough, but they are heartfelt and mean so much.”

    J.H.

  • Your kindness will never be forgotten.

    “Dear Glenn, Several weeks ago, you graciously met with my husband and me and provided us with invaluable advice vis a vis his application for Long Term Disability and the Voluntary Transition Plan offered by his employer. Your calming presence and thoughtful guidance was so gratefully appreciated and we both felt much lighter as we left your office. We are pleased to advise you that David's application for LTD was approved the day after we met with you (sigh of relief)! Had it not been, we knew when were we would go for representation. We both want to thank you for your thoughtfulness and generosity of spirit. Your kindness will never be forgotten. With Warmest Regards, Lori and David C.”

    Lori & David