Mansell, Engel & Cole

Oklahoma City Insurance Law Blog

Why did your health insurance deny your claim?

Like many in Oklahoma, you may have insurance on your own dime and not through your employer. Since this is often expensive, it can be frustrating to have the insurer deny a claim you feel is legitimate. Often these issues arise when a policyholder is not familiar with the terms of the policy, but they can also come about through intentionally deceptive, or "bad faith," actions on the insurer's part.

It can be a mistake to assume that your health insurance policy will cover everything health-related. In fact, there are many situations that your policy may exclude, and you may find those exclusions listed on your policy documents. However, it is not always clear what the insurer will decide about a claim.

National insurer under fire for alleged fraud in OK lawsuit

Did insurance giant Farmers play fair?

Eight Oklahoma plaintiffs insist that the company did not concerning its conduct regarding their claims for storm-linked property damage. Their stated dismay with the national insurer has led to their filing of a lawsuit in Cleveland County.

U.S. maternity costs: singularly high and challenging

Having a baby is of course an epochal event for American mothers, with virtually every aspect of the procedure being markedly memorable.

Including the bill and, often, the related challenges imposed by insurers centrally involved in the process.

The universe of insurance bad faith is both broad and varied

Our first order of business in today’s Mansell, Engel & Cole blog post is a heartfelt communication to our readers residing in Oklahoma and elsewhere across the country.

Namely, we want to express our gratitude and appreciation for your online visits and perusal of our pro-policyholder insurance law pieces.

Don't assume your homeowner's insurance covers everything

If you are like many others here in Oklahoma City, you probably assume that your homeowner's insurance will cover any claim related to your home. Unfortunately, you would probably be wrong.

Homeowner's insurance policies often have exclusions for certain types of property. In order to obtain coverage for them, you may need to purchase a rider to add to your policy.

Why do insurers so often refuse coverage for rare cancers?

Insurance companies routinely state that they refuse to pay for costs linked with patients’ rare cancers because recommended treatments are experimental and unproven.

A noted cancer expert and legions of her peers in the medical industry reject that assertion.

Athletes charge noted insurer with playing dirty in claim denials

Imagine the following as a business plan model for an insurer.

To wit: Require an applicant applying for disability coverage to sign a policy and remit payments, and yet defer from actually issuing the insurance contract until the policyholder makes a claim. And then (here is where the spotlight shines starkly in today’s post) alter the original terms of the contract via new language that includes disclaimers and riders yielding coverage denial.

Ongoing insurance reality: coverage denial for preexisting condition

“We live in a time when even outlandish arguments can sometimes win the day.”

So says one health care expert commenting on what we suspect readers of our Oklahoma insurance law blog will deem a decidedly unfair coverage outcome.

Health insurance costs spiking sharply for Oklahomans

They’ve gone “about as high as they can go.”

We’re talking health insurance deductibles in today’s Mansell Engel & Cole blog post, with the above quote being provided courtesy of a researcher who centrally contributed to a report spotlighting that subject matter.

Life insurance exclusions can jeopardize your claim

It may seem to you that an insurance company carries all the risk when offering life insurance policies. After all, everyone must die, so coverage that promises to pay money when that event arrives may seem like a poor way for a business to make money. However, you do not have to worry that your insurer will go broke by insuring your life.

In fact, if you read the fine print of a life insurance policy, you may learn that the insurer will actually only provide payment upon death under a limited number of circumstances. If your loved one recently died and his or her insurer is refusing to pay benefits, you would be wise to take some time to examine the fine print of the policy and especially those factors that may prevent you from receiving the payout you were counting on.

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