Cancer Insurance Claims
Cancer Insurance Policy Lawyer
Denied Insurance Claim Attorney
Insurance companies are in business to make a profit. Not paying a claim, delaying a claim payment, or offering an inadequate settlement all help increase profits. At Bohrer Brady LLC, we help clients nationwide receive the benefits they need and are entitled to under their cancer insurance policies.
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Cancer insurance policyholders who have been paid benefits under a supplemental cancer insurance policy may be entitled to additional compensation.
Bohrer Brady LLC is investigating the possibility that supplemental cancer insurance company policyholders may have only been paid a small portion of the benefits to which they are entitled from supplemental cancer insurance companies under their supplemental cancer insurance policies.
Some supplemental cancer insurance policyholders were guaranteed, under their cancer insurance policies, that they would receive benefits based on the "actual charges" that appeared on their medical bills. Despite this guarantee, some supplemental cancer insurance companies changed their adjusting practices without policyholder consent or knowledge.
Policyholders who filed a claim prior to 2002 received full benefits based on the amount that appeared on the physician's bill ("actual charges"). The payment of benefits did not depend on the discounted payments of medical expenses by other major medical insurance.
Since the change in the adjusting practices of some supplemental cancer insurance companies, the benefits are now paid on what the physician accepts as full payment for the services. Thus, the supplemental cancer insurance companies now pay benefits based on the amount accepted by the treating physicians, or better stated, benefits are paid based on the discounted amount other insurance companies pay.
As an example, pursuant to the previous adjusting practice, if the doctor billed $10,000 for a procedure, the companies would pay $10,000 or more regardless if the physician accepted less for his service.
Under the new adjusting practice, if the physician bills $10,000 and later only accepts $5,000 as full payment, the supplemental cancer insurance company will only pay $5,000.
Our firm is currently representing individuals that received the lower benefits and have alleged the supplemental cancer insurance companies have breached their insurance contracts with supplemental cancer insurance policyholders. Some of the companies that may be involved in this practice are Central United Life Insurance Company, American Public Life Insurance Company, Dixie National Life Insurance Company, Commonwealth National Life Insurance Company, American Fidelity Assurance Company, and Life Investors Insurance Company.
If you or a loved one has suffered from financial hardship when your claim for supplemental cancer insurance benefits was denied, you may qualify for damages or remedies.
Call Bohrer Brady LLC at 1-800-876-3911. Free confidential initial consultation.Send Us An Email