What Evidence Do I Need to Sue My Health Insurance Company?

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 What Are Your Rights?

The holder of health insurance who pays premiums is entitled to certain advantages and protections as a policyholder. The policyholder is entitled to a response or investigation if they submit a claim or make a service request, and if the policy covers the claim, their firm will take care of it.

The policyholder may be entitled to financial compensation if certain benefits are not offered. However, in order to file a case against the corporation and have the necessary proof, you will need to employ a lawyer. Read on to find out more.

Health Insurance Company Lawsuit

Individuals frequently sue insurance companies for a variety of causes. It is crucial to talk about the relationship between the individual who buys insurance and their insurance company in order to comprehend why it is possible to sue an insurance company. The insured is referred to as the person who obtains insurance, while the insurer is the insurance provider.

A sort of contract in which one party consents to paying a premium in return for the insurer’s provision of coverage for the insured might be called an insurance policy. The insurance provider will shield the insured from any losses, damages, or liability if a loss happens as a result of an occurrence covered by the insurance policy. Because of this, the insured and an insurer are parties to a legal contract.

When an insurance provider fails to defend the insured from a covered act under the terms of their policy, lawsuits frequently result. They can also happen when an insurance provider somehow breaches the terms of the agreement, including when they incorrectly reject a valid insurance claim.

It’s vital to understand that filing a lawsuit against your health insurance provider won’t often be your first option if you and your provider are at odds. Instead, you must go through a number of official steps before you can resolve the insurance dispute out of court. It might be essential to sue your insurance company if no settlement is reached.

Forms of Resolution Used Before Litigation

You will most likely go through the procedure to appeal a health insurance decision before bringing a lawsuit. You can be compelled to go through a series of reviews as part of your disagreement with an insurance provider, which functions as the appeals procedure. These appeals will first be made to your insurance provider and then to a third party.

The insured requests that the insurance policy’s judgment is reevaluated at the initial internal review. The choice must affect one or more aspects of coverage, including denying, restricting, or withdrawing coverage. This entails paying a fee as well. To make sure that all necessary procedures are correctly taken, it is crucial that you carefully read the insurance policy.

You must have the following data and proof on hand to back up your claims during this first appeal:

  • Second opinions from other doctors that support your personal doctor’s opinion;
  • Your personal doctor’s opinion supporting your position, such as their opinion that a medical procedure is necessary;
  • More details regarding your ailments, such as those offered by other healthcare professionals.

The second review or appeal may be submitted internally to the insurance provider in a variety of ways. A hearing, a committee, a special panel, or arbitration are a few examples. Some of these meetings could call for your presence, while others might not. You should seek legal advice now, before a lawsuit is necessary, in order to present a compelling argument for your position.

If the outcome of the second internal review is unfavorable, you might have to file an additional appeal. This depends on the sort of insurance you have and the law in your state. A third party carries out this “independent” or “external” review. In the absence of such a body in your state, the Department of Health and Human Services (“HHS”) may be in charge of this impartial examination.

Your physician could request an outside review on your behalf. This exterior appeal is typically provided without charge or for a little cost. While the review itself often takes no more than sixty days to complete, the appeal for external review must be submitted within sixty days after the earlier denial letter. You may find further information regarding the external appeal procedure in your state in documents provided by the insurance provider, such as denial letters.

Claim Dismissed

The policyholder will receive a letter informing them of the insurance provider’s decision if a claim or request is rejected. The letter will include a denial of the claim or request, followed by the refusal’s justification and sometimes some further information. The plan does not cover the care, and the care was delivered by a provider who is not covered by the plan, or a pre-existing condition brought about by the claim are all grounds for rejecting a claim.

When a policyholder gets one of these letters and disagrees with the denial, they should start gathering the necessary proof to back up an appeal.


A copy of the policy in the state it was in when the claim was made is necessary for the policyholder to pursue legal action against an insurance company. The policy between the policyholder and the insurance company governs every aspect of a case.

Additionally, copies of any communications between the policyholder and the insurance provider are required. This covers all correspondence with the insurance provider, such as letters, paperwork, and mailings.


Before filing a lawsuit, the policyholder may be required to file appeals by a number of states, insurance companies, and legal provisions. Internal appeal processes are required to be followed by many insurance companies. The state insurance board offers an appeals procedure in the majority of states. The insurance holder should have copies of all the supporting documentation if these appeals have been rejected or not successfully resolved.


Each phase has its own schedule, from the insurer’s assessment to the litigation. The policyholder must submit their initial appeal in accordance with US law within six months of the initial care denial. If the initial appeal does not result in a benefit to the policyholder, some firms permit a second or third appeal.

The policyholder may pursue an external appeal after exhausting all internal appeals. Either a state government or the federal government handles these appeals. Each state has its own deadline for filing an external appeal, which is typically a few months after the insurance company’s final decision.

The policyholder may file a lawsuit in court if an external appeal does not produce the desired outcome. Your state will determine how long you have to file a case; some states allow up to a year, while others only allow 30 or 60 days.

Where Can You Find the Ideal Attorney?

The main pieces of evidence needed to file a lawsuit against a health insurance provider are this paperwork and records. Contact a local insurance lawyer right away if you believe you have not received the benefits to which you are entitled under your health insurance plan. Use LegalMatch to find the right insurance lawyer for your needs today.


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