{"id":355809,"date":"2018-09-12T11:39:46","date_gmt":"2018-09-12T16:39:46","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/healthcare\/patient-rights\/health-care-and-bad-faith-insurance-claims.html"},"modified":"2024-05-20T17:49:51","modified_gmt":"2024-05-20T22:49:51","slug":"health-care-and-bad-faith-insurance-claims","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/healthcare\/patient-rights\/health-care-and-bad-faith-insurance-claims.html","title":{"rendered":"Health Care and Bad Faith Insurance Claims"},"content":{"rendered":"\n
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Health Care and Bad Faith Insurance Claims<\/h1>\n
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\n By Susan Buckner, J.D.<\/a> | Legally reviewed by Susan Mills Richmond, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

When you purchase a health insurance policy, pay your premiums, and file a health insurance claim, you expect your health insurance company to pay your medical bills. That’s why you have insurance. You don’t expect a notice telling you the company denied your claim. A claim denial letter can make your personal injury feel much worse.<\/p>\r\n

If your insurance company denies your claim without a good reason, there are options available. You may be able to file a civil claim against the health insurance company for bad faith<\/a>.<\/p>\r\n

Bad Faith Insurance Claims<\/h2>\r\n

An insurance claim can be denied for legitimate reasons<\/a>. For example, the amount of the claim may be below your deductible. In a personal injury claim, you may need to file a claim against the other driver’s auto insurance so your insurer can bill them directly. Perhaps you forgot some documentation the insurer required. As frustrating as it may be, your insurer can deny your claim for those reasons.<\/p>\r\n

A bad faith<\/a> claim arises when you had a valid claim and your insurer wrongfully refused to pay. Some signs of a bad faith denial include:<\/p>\r\n