Health Insurance Claims
When you have health insurance through your employer, you expect to have your medical bills paid. It seems simple enough, but many insurance companies and employee healthcare plans will deny valid claims and refuse to pay for valid medical treatment. If an insurance company is denying your claim, seek the help of an experienced attorney who understands the complexities of healthcare claims and the unique rules and deadlines that apply. At Marcellino & Tyson, we understand how to advocate to get you what you’re owed and protect what’s yours.
Many people don’t know that if you get your health insurance through your employer, there are special rules that apply to your plan. “ERISA” stands for the Employee Retirement Income Security Act and is a federal law that regulates most employee benefits received through an employer, including claims under company health plans. With ERISA, there are rules involved in appealing your case and taking it to court that are different from ordinary insurance and contract disputes. Marcellino & Tyson is one of a handful of firms that have a proven record of success helping individuals secure health insurance benefits.
Just like other ERISA benefits claims, health care claims require you to complete an appeal process through the insurance company before proceeding to court. What the insurance company does not tell you is that, in court, the judge will likely only be able to look at the information submitted with the appeal. Under ERISA, you can sue to recover benefits due under the terms of the plan, to enforce rights under the terms of the plan, or to clarify rights to future benefits under the terms of the plan.
ERISA benefits claims of any kind oftentimes require a great deal of up-front “legwork” that you must do to ensure the best presentation of your case, and healthcare claims are no different. Seeking help from an attorney before you appeal your denial is the best way to do so. We work as your counselor and advocate and have your best future in mind.
Our Charlotte attorneys offer free consultations on all health insurance matters. Call us at 704.919.1519 or send us an email to schedule a time to speak with one of our attorneys.
Marcellino & Tyson, PLLC maintains co-counsel relationships with attorneys in South Carolina, Maryland and in each state in which we assist disability/ERISA clients.
Questions? Please call 704.919.1519