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Dawson and Rosenthal
Dawson and Rosenthal

What Is Bad Faith in Health Insurance?

Health insurance companies are not legally permitted to deny or delay paying for your healthcare claims unreasonably. If your insurer has acted in bad faith by denying you the care you need, we understand how exhausting and frustrating this might be, especially if you are already dealing with health concerns.

Suppose your insurance company denies your claim or just ignores it, causing a delay. In that case, your medical bills will continue to mount, you might be denied the care that your condition necessitates, or you could be missing out on rehabilitation that could dramatically improve your life. Your insurance company may be acting in bad faith, and we know how to help. Contact Dawson Rosenthal P.C. today for assistance.

Why You Should Choose Dawson Rosenthal P.C.

  • We have decades of experience dealing with bad-faith insurance, and our experience is your advantage.
  • At Dawson Rosenthal P.C., we employ a collaborative method of handling our cases so that special pains are taken to look at your case from every imaginable angle.
  • Our negotiation skills are only matched by our litigation abilities. We can negotiate a settlement for you but are not afraid to go to court if it becomes clear that that is the best route to the most positive resolution.

Signs That Your Health Insurance Provider is Acting in Bad Faith

There are some common signs that your insurance company is acting in bad faith. It is important to understand what these signs are and if they apply to your specific case. If you suspect that your health insurance company has denied or delayed your claims in bad faith, speak to an attorney for clarification.

Listed below are some signs that your insurance might be acting in bad faith:

  • If your insurance company drags its feet and does not perform an evaluation of your claim in a timely manner, this could point to a bad faith action.
  • If the investigation of your health insurance claim is delayed, or if it is never completed once begun, this could also be in bad faith.
  • When insurance companies choose not to review or assess the specifics of your claim, this might be a sign that it is acting in bad faith.
  • For them to be acting in good faith, they must contact and maintain communication with the relevant parties involved in your claim.
  • If your provider denies your claim and does not provide you with a valid reason, you have good reason to suspect bad faith.
  • Offering you an unreasonable or “lowball” offer to settle your claim can be an attempt to have you settle for far less than your claim is worth in order to save the insurance company money.
  • An insurance company may be acting in bad faith if they submit a denial with confusing reasoning, hoping you will be perplexed by the denial and will no longer pursue it.
  • Insurance companies may misinterpret aspects of your health insurance plan to deliberately mislead you. Of course, this is an example of bad-faith insurance.
  • They may use language that is out of date or confusing, cite laws unrelated to your claim or your policy, or refer to clauses that have no bearing on your claim as an act of bad faith to cause you to walk away from the money or care you are entitled to receive.
  • Denying and delaying payments is a way the insurance company forces their clients into desperation. This way, they are more likely to accept a lowball offer just to make ends meet.

If Your Insurance Company is Acting in Bad Faith, Reach Out Today

If you know the frustration of an insurance company denying and delaying your claim, and you need relief, contact us. At Dawson Rosenthal P.C., our San Diego health insurance bad faith lawyers have the skills and experience to handle insurance companies who are acting in bad faith. We know all of their tricks and how to expose them as we tirelessly fight for you.