Pittsburgh Health Insurance Bad Faith Claim Lawyer

When Medical Coverage Is Denied or Doctors’ Recommendations Are Ignored, Turn to a Dedicated Health Insurance Bad Faith Attorney in Pittsburgh, PA

Health insurance coverage is critical for protecting you from the devastating costs of paying for medical care out of pocket, but dealing with insurers is often a hassle. Insurance companies may dispute your need for care in spite of a doctor’s recommendations or make you jump through hoops to secure authorizations and approvals. As an experienced Pittsburgh health insurance bad faith claim lawyer, AlpernSchubert, P.C., knows how to stand up to insurers that handle claims in bad faith, leaving policyholders and beneficiaries with unfair medical expenses or preventing them from receiving proper care.

Our firm steps in when clients are facing claim denials, unreasonable delays, and other issues in getting the care they need covered. Contact us today for a free, confidential consultation with a health insurance bad faith attorney in Pittsburgh, PA, and find out how we can assist you.

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You Need a Health Insurance Bad Faith Attorney in Pittsburgh, PA, If…

When does a health insurance company’s frustrating conduct rise to the level of bad faith? Generally, the delays, claims-handling decisions, or approach the insurer takes must be unreasonable and unjustified.

As a Pittsburgh health insurance bad faith claim lawyer, we often intervene in situations like the following:

• Denying coverage for a test or treatment that is both covered under the language of the policy and deemed medically necessary by your provider
• Denying claims without conducting a proper investigation, such as failing to review medical records or consult appropriate medical experts
• Not providing specific explanations for denying claims
• Asserting a pre-existing condition exclusion that does not apply or is not relevant
• Incorrectly or selectively interpreting policy language or medical records to refuse coverage
• Misrepresenting exclusions and coverage limitations, often to make the insured believe that a test, treatment, or medication isn’t covered when it clearly is
• Repeatedly requesting the same documentation or paperwork, which can not only stall payments but also, in some cases, delay necessary tests or procedures
• Failing to make payments by established deadlines
• Failing to respond to policyholder communications and requests for status updates in a reasonably timely manner

When it comes to your health, delays and denials of care are particularly serious issues. If an insurer’s conduct is standing in the way of getting the care you need promptly, waiting to see if the situation resolves on its own can put your health at risk. It’s time to consult the experienced legal team at AlpernSchubert, P.C., for help standing up to the insurance company and making decisions that protect your rights as well as your health.

What to Do if a Health Insurer Is Denying Coverage or Delaying Medical Interventions

If your doctor has ordered a treatment or recommended a test, but the insurance company refuses to authorize care or pay an outstanding bill, you may feel hopeless. Going without care or taking on high medical costs aren’t your only options. You can explore your rights and legal options with the help of a knowledgeable bad faith insurance attorney.

At AlpernSchubert, P.C., we offer free consultations to ensure that every patient in Western Pennsylvania has the guidance they need to address health insurance disputes and claim denials without risk, cost, or delay.

Here’s what you can do to fight back against a health insurance company’s bad faith conduct:

• Gather all policy information, notices and correspondence from the insurer, and medical records.
• Compile a list and timeline of interactions with the insurance company, including any phone calls or messages.
• Review any denial notices to determine whether the insurer specified the reason for the claim denial and what its justification is.
• Consult our legal team as soon as possible so that you’re not waiting any longer than necessary for trusted guidance about how to move forward and receive the medical care you need.
• Bring all of your documentation to your free initial consultation so that we can review the facts and provide advice tailored specifically to your unique circumstances.

Don’t skip the care you need or the tests your doctor recommends because the insurer isn’t handling your claim fairly. Bring on legal support that can help you access the benefits you’re entitled to under the terms of your policy and the law.

Rights of the Insured Under Pennsylvania’s Bad Faith Law

An insurance policy is a promise to provide benefits if the covered event occurs. It’s also a legally binding contract. In Pennsylvania, insurance companies are expected to approach claims in good faith.

That doesn’t mean insurers can never deny claims or that they must pay before conducting due diligence to assess the validity of the claim. However, it does mean that delays and denials must be justified and reasonable. If they aren’t, the insured has rights under PA’s bad faith law.

Established under 42 Pa. C.S. § 8371, this law states that a court can award the following upon ruling that an insurer has acted in bad faith toward the insured:

• Interest payments: An amount equal to the prime rate of interest plus 3% on the amount of the claim, beginning on the date the claim was made
• Punitive damages: Penalties imposed for the purpose of punishing the insurance company for its conduct rather than compensating specific losses of the insured
• Legal costs: Payment by the defendant of the court costs and attorney’s fees incurred in the process of resolving the claim

Under this statute, you may be able to recover more than the health benefits you were originally entitled to from the insurance company that handled your claim in bad faith. Interest on large claim amounts can be significant, especially if the insurer has dragged on the claim for months. When a court assesses the defendant’s legal costs against the insurer, it ensures that you don’t have to pay the costs of taking legal action.

With a Pittsburgh health insurance bad faith claim lawyer at AlpernSchurbert, P.C., on your side, you can pursue every legal remedy you’re entitled to. Having practiced bad faith insurance law of all kinds for decades, we know how to build effective claims against insurers that violate their obligations, the law, and their policyholders’ trust.

How AlpernSchubert, P.C., Can Help

At every stage of your case, our diligent approach and client-first service make a difference. You can count on our legal team to:

• Evaluate the facts of your unique situation and provide initial advice at no cost during your free consultation
• Review insurance policies, claim denial notices, and other correspondence to identify potential grounds for a bad faith insurance claim
• Develop a personalized legal strategy and arguments based on your individual circumstances
• Present your case in a settlement demand letter to the insurer, a complaint that initiates litigation, negotiations, and, if necessary, a trial

We fight for everything you deserve, including the benefits you’re entitled to under the contract and remedies such as interest, punitive damages, and legal costs that could potentially be available under the law.

Why Choose AlpernSchubert, P.C., as Your Pittsburgh Health Insurance Bad Faith Claim Lawyer?

With our law firm on your side, you gain an advocate for an insurance bad faith lawsuit that is experienced, recognized throughout the region, and dedicated to providing help when it really matters.

Over a Century of Combined Experience in Legal Practice

Our team of three seasoned attorneys has more than 100 years of experience between us, including an extensive background in bad faith insurance law, workers’ compensation claims, disability claims, personal injury lawsuits, and other types of plaintiff-side cases. We’re knowledgeable, skilled, and equipped with the tools to anticipate challenges and overcome them successfully.

Reputation and Recognition Throughout Western Pennsylvania

Since 2006, our law firm has built a reputation in Pittsburgh and throughout the region for devoted client service, effective legal representation, and results. Not only have our attorneys attained widespread recognition in the legal community, but we’re also known for handling more insurance bad faith claims in the region than any other law firm.

Commitment to Helping Our Community Members Access Benefits

At our firm, we are a team of attorneys who began practicing law to help people, not just to make money. We recognize the unfairness of health insurers denying coverage when you need care and the significant impact that bad faith claims handling can have on your health and your life, especially in the context of health insurance. We’re willing to go the extra mile to put our clients in the best position for a successful bad faith claim.

Contact a Pittsburgh Health Insurance Bad Faith Claim Lawyer at AlpernSchubert, P.C., Today for a Free Consultation

Timing matters, not only for preserving your legal rights in any potential bad faith claim but, importantly, for working to get disputes resolved and receive the care you need. Don’t wait any longer for an insurance company to start taking your claim seriously or processing it fairly. Get all of the benefits of having professional legal counsel on your side, from having a resource standing by to answer your questions and advise you on your next move to providing representation in negotiations, litigation, and trial.

For help from a health insurance bad faith attorney in Pittsburgh, PA, contact AlpernSchubert, P.C., online or call 412-556-2326 today.