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from our blog

August 29, 2017

The Insurance Industry Quick-Hit Settlement

If you’ve been in a collision and it was someone else’s fault, odds are very good that you will hear from the at-fault driver’s insurance company as soon as possible. It’s a tactic that is happening more and more in Arizona. This is done for a variety of reasons: (1) the insurance company would like […]


Phoenix Medical Coverage Attorney: Phoenix, Scottsdale and throughout Arizona

Get help from an experienced Phoenix medical coverage and Arizona health insurance claim denial lawyer at the Law Offices of Shane L. Harward.

Insurance companies deny medical coverage when their policyholders need it most. Claiming that a client had a pre-existing condition that justifies denial; processing the claim slowly; or asserting that treatment was “experimental” and not covered, are just some of the manipulative strategies insurance companies use to get out of paying insurance benefits. Other strategies insurance companies use are covered in the Insurance Bad Faith Overview. These bad faith tactics can lead to

  • Damaged credit from unpaid medical bills
  • Unnecessary pain, stress, and anguish
  • Uncertainty and anxiety about how hospital costs will be covered
  • Fear that the insurance policy will be cancelled
  • And, if coverage is denied or delayed for expensive, life-saving procedures, the insurance company’s claims decisions can literally be responsible for the death of their insured

Whether the medical claim is large or small, some insurance companies don’t want to pay.

When specialized medical treatment is necessary, the insurance company may refuse payment. Or, when a health insurance claim is processed, the company may do whatever it takes to avoid paying. This is most common when the claim is of significant size.  And, in some cases, the insurance company will cancel the policy. You may be left with no insurance coverage at all.

Too often, insurance companies practice post-claims underwriting: they draft and sale the insurance policy; they collect your premiums; but when you get ill or injured and rely on your health insurance, some insurance companies launch an intricate investigation in to your policy application and past medical history looking for any excuse to deny your claim. This may lead to devastating health and financial repercussions.

The insurance company adds to your struggles with a Health Insurance claim denial.

This may be a violation of Arizona’s Insurance Bad Faith Law. If the law is being broken and you have been mistreated by an insurance company, you have rights.

If your medical benefits claim has been denied or your health insurance policy is being mishandled, you need an experienced, aggressive and compassionate lawyer to challenge the insurance company’s unfair treatment. Contact the Arizona health insurance claim denial attorney offices of Shane L. Harward to get what you are owed.

  • Shane Harward Law Offices of Shane L. Harward PLC

    10575 North 114th Street
    Suite 103
    Scottsdale, Arizona 85259

    Telephone 480-874-2918
    Facsimile 480-588-5063

    By Appointment Only:
    4809 East Thistle Landing Drive
    Suite 100
    Phoenix, Arizona 85044

    Telephone 602-384-4638

    Mailing Address:
    Post Office Box 12877
    Scottsdale, Arizona 85267