IT'S MORE TO US, IT'S PERSONAL
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Wettermark Keith was extremely professional and helpful. This personal injury law firm helped my husband over 10 years ago when he fell and broke his foot on vacation. I called them first because I liked their TV commercials. They are very nice people and I would call them again if I needed a lawyer.
- Juanita
Law firm Wettermark Keith has exceeded my expectations! I recommend these lawyers to anyone and everyone I come across. Their commitment to their clients is outstanding. Communication is easy. And I got my settlement very fast. I definitely recommend working with Lee Hawker. He is very gracious and kind. He looked out for me and my family and went above and beyond for us. I’m very grateful!
- Alexa
My personal embattlement with the Social Security Administration went downhill. From a personal recommendation, I reached out to Wettermark Keith law firm. Brian Smith and his team took my case and throughout the whole process, I felt more than just another number. Frequent updates were provided, and emphasis was placed on ensuring all needed documentation was in place. In the end, the accident case resulted in a favorable victory. A big thank you to my lawyer Brian Smith and the team at Wettermark Keith for the hard work throughout the entire personal injury process.
- Dallas
I had the pleasure of working with Mr. Mark English at Wettermark Keith law firm after my car accident in December 2021. He was very thorough in everything, did a wonderful job of explaining everything that was happening, and was super easy to get in touch with when I needed him. I never had a question that was left unanswered by this lawyer. He's very kind and patient, and he made the personal injury claims process so easy for me. I absolutely recommend him, it was a pleasure working with him!
- Rose
I am so elated that I utilized Mr. Muhammad Abdullah’s services. In the beginning, he told me the compensation that I would receive for my personal injury claim and I actually received more than that! After my car wreck (in my brand-new vehicle), I was actually surprised that I was in the pain that I was in. Mr. Abdullah made sure I saw the necessary people for therapy and worked hard to get me back into my car after the accident. I felt that he was diligent, listened to my concerns, and quickly got me back in my car and compensated! I will be utilizing Mr. Abdullah again and again, anytime I ever have to hire a lawyer.
- Madinah
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Health Insurance Lawyer
If you need legal help with your short term health insurance, contact an attorney from Wettermark Keith as soon as possible.
When you or someone you love is facing a health crisis and desperately needs insurance coverage to help pay for medical bills, you may be feeling overwhelmed, scared, and uncertain about your next steps. When it comes to short-term health insurance, many insurance companies sell policies and engage in bad faith claims practices that leave policyholders high and dry. These practices can include denying valid claims, delaying payments, or canceling policies without proper notice. Short-term health insurance policies often have strict limitations and exclusions that can leave policyholders with little to no coverage when they need it most. Insurance companies may also use deceptive, complex marketing practices to sell policies to vulnerable individuals, hiding the limitations of the coverage.
At Wettermark Keith, we know that when you or someone you love is facing a health crisis, every moment counts. That's why we're here to help you fight insurance companies that engage in bad faith claims practices. We want to ensure that you receive the coverage and care you need to heal and recover. Our experienced short-term health insurance lawyers have a deep understanding of the laws and regulations surrounding health insurance coverage. We will work tirelessly to review your policy, investigate any bad faith claims practices, and negotiate with your insurance company to ensure that you receive the maximum coverage and compensation. Our insurance attorneys are here to be your advocate and fight for your rights, so that you can focus on what really matters - your health and well-being. Contact Wettermark Keith today and set up your free consultation by calling us or filling out our online form.
What is Short Term Health Insurance and how does it differ from traditional health insurance?
Short term health insurance is a type of temporary health insurance coverage that typically lasts from a few months up to a year. It is designed to provide individuals with coverage during gaps in their health insurance coverage, such as during a period of transition between jobs or before becoming eligible for Medicare. While it can provide a safety net, it is important to understand that short term health insurance plans are not a substitute for traditional health insurance coverage.
Short term health insurance plans are often less expensive than traditional health insurance plans, but they may not offer the same level of coverage. Short term health insurance plans typically provide coverage for basic medical expenses, such as doctor visits, emergency care, and some prescription drugs. While short term health insurance plans may be less expensive than traditional health insurance plans, they often provide limited coverage and can come with significant exclusions and limitations. For example, many short term health insurance plans do not cover pre-existing conditions, which means that individuals with ongoing medical needs may not be able to get the coverage they need. In addition, short term health insurance plans may not cover certain types of medical services or treatments, such as maternity care or mental health services.
On the other hand, traditional health insurance plans provide comprehensive coverage for a broad range of medical services and treatments. They typically include coverage for preventive care, prescription drugs, hospitalization, and other medical services. Traditional health insurance plans may be more expensive than short term health insurance plans, but they provide more comprehensive coverage and are generally considered to be a better option for individuals who require ongoing medical care.
If you are having issues obtaining short term healthcare benefits, do not wait to contact Wettermark Keith for help. We'll review your policy, investigate any bad faith claims practices, and fight to ensure that you receive the maximum compensation available. Our goal is to be your advocate and help you make informed decisions about your well-being.
Common Reasons Your Short Term Health Insurance Might be denied
Applying for a short-term health insurance plan typically involves research on the front end, gathering the proper documentation, and filing an application. There are several reasons why an application for short term health insurance might be denied by an insurance company. Some common reasons include:
It's important to note that not all short term health insurance plans have the same eligibility requirements, so it's important to review the plan's terms and conditions before applying. If your application for short term health insurance is denied for any of the above reasons or others, contact an attorney at Wettermark Keith as soon as possible in order to start the appeals process with your insurance company.
Steps to appealing a denied short term health insurance claim
When a short term health insurance claim is denied, you should contact a health insurance attorney from Wettermark Keith immediately to start the appeal process. While working with your attorney, there are certain steps that we can take together to ensure the best possible outcome. These steps include:
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You should preserve all written communications and notes of phone conversations with the insurance company. Often, the denial of the claim will come in the form of an explanation of benefits form (an EOB), so hold on to any of these forms that you receive. Pay attention to the explanation given for the denial, as well as any time limits set out in the form.
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Have a complete copy of your policy, which is often called a contract. This is important so that you can understand the context of your or your attorney's conversations with your insurance company.
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Using the benefits booklet and contract, we are able to compare the reason given for the denial with the policy language. This will also list the deadlines for appealing health insurance claims to get a direct timeline of your specific appeals process.
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After reading the policy, we will send a written request to the company asking for information on why the company denied your claim as soon as possible. This information may include: copies of any documents that the insurer relied on in reaching their decision, any documents that were submitted, considered, or generated by the insurance company in reaching their decision, any internal rules, guidelines, or protocols that the insurance company relied on in reaching their decision, a statement explaining any medical or scientific principles that the insurance company relied on, and the name of any healthcare professional that the insurance company obtained advice from in connection with the claim denial.
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Speak with your doctor and other healthcare providers and enlist their help in drafting letters and providing other information.
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Take pictures if applicable. Before and after pictures of the treatment can be helpful and demonstrate why the treatment was important.
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After you have gathered information supporting your appeal, we will need to draft your appeal letter. Be sure to retain a copy of everything that you send to the insurance company, along with proof of mailing.
You should preserve all written communications and notes of phone conversations with the insurance company. Often, the denial of the claim will come in the form of an explanation of benefits form (an EOB), so hold on to any of these forms that you receive. Pay attention to the explanation given for the denial, as well as any time limits set out in the form.
Have a complete copy of your policy, which is often called a contract. This is important so that you can understand the context of your or your attorney's conversations with your insurance company.
Using the benefits booklet and contract, we are able to compare the reason given for the denial with the policy language. This will also list the deadlines for appealing health insurance claims to get a direct timeline of your specific appeals process.
After reading the policy, we will send a written request to the company asking for information on why the company denied your claim as soon as possible. This information may include: copies of any documents that the insurer relied on in reaching their decision, any documents that were submitted, considered, or generated by the insurance company in reaching their decision, any internal rules, guidelines, or protocols that the insurance company relied on in reaching their decision, a statement explaining any medical or scientific principles that the insurance company relied on, and the name of any healthcare professional that the insurance company obtained advice from in connection with the claim denial.
Speak with your doctor and other healthcare providers and enlist their help in drafting letters and providing other information.
Take pictures if applicable. Before and after pictures of the treatment can be helpful and demonstrate why the treatment was important.
After you have gathered information supporting your appeal, we will need to draft your appeal letter. Be sure to retain a copy of everything that you send to the insurance company, along with proof of mailing.
You should preserve all written communications and notes of phone conversations with the insurance company. Often, the denial of the claim will come in the form of an explanation of benefits form (an EOB), so hold on to any of these forms that you receive. Pay attention to the explanation given for the denial, as well as any time limits set out in the form.
Have a complete copy of your policy, which is often called a contract. This is important so that you can understand the context of your or your attorney's conversations with your insurance company.
Using the benefits booklet and contract, we are able to compare the reason given for the denial with the policy language. This will also list the deadlines for appealing health insurance claims to get a direct timeline of your specific appeals process.
After reading the policy, we will send a written request to the company asking for information on why the company denied your claim as soon as possible. This information may include: copies of any documents that the insurer relied on in reaching their decision, any documents that were submitted, considered, or generated by the insurance company in reaching their decision, any internal rules, guidelines, or protocols that the insurance company relied on in reaching their decision, a statement explaining any medical or scientific principles that the insurance company relied on, and the name of any healthcare professional that the insurance company obtained advice from in connection with the claim denial.
Speak with your doctor and other healthcare providers and enlist their help in drafting letters and providing other information.
Take pictures if applicable. Before and after pictures of the treatment can be helpful and demonstrate why the treatment was important.
Take pictures if applicable. Before and after pictures of the treatment can be helpful and demonstrate why the treatment was important.
Again, an attorney can help with all of the above steps, and you should contact our legal team at Wettermark Keith as soon as your claim is denied by your short term health insurance company.
How long does the short term health insurance appeals process take?
The length of the short term health insurance appeals process depends on a few factors, such as the complexity of the appeal, the specific insurance company's policies and procedures, and the volume of appeals being processed at the time. In a general sense, the insurance companies are required to provide a decision on an appeal within a reasonable amount of time, typically within 30 to 60 days of receiving the appeal documentation; however, the appeals process can take longer than this due to various reasons, such as the need for additional information or documentation. In order to have the most successful appeals process, you should consult a health insurance attorney from Wettermark Keith who will communicate with your insurance company directly about the insurance claim.
Benefits and limitations of a short term health insurance policy when it comes to healthcare
If your health insurance application was denied, you should not give up on the process. This is because short term health insurance may have a lot of positives when it comes to your or your loved ones’ healthcare. Short term health insurance policies provide plenty of good benefits when it comes to healthcare, such as:
Short term health insurance policies are often more affordable than traditional health insurance plans, which can make them an attractive option for individuals on a tight budget. This can be especially valuable when you are in between jobs or need some urgent form of care.
Short term health insurance policies can be purchased for a period of time that works for you, ranging from a few months up to a year in coverage. This can provide flexibility for individuals who are in between jobs, waiting for other health insurance coverage to begin, or who only need coverage for a short period of time.
Short term health insurance policies can often be approved quickly, sometimes within 24 hours, which can be helpful for individuals who need coverage immediately. While these insurance policies can be extremely beneficial, there are some limitations to short term health insurance that can have unfortunate effects on your coverage. Sometimes an attorney can help you with policy denials; however, you need to carefully consider a policy ahead of time as well. The common limitations of short term health insurance policies include:
Short term health insurance policies typically offer more limited coverage than traditional health insurance plans. They may not cover pre-existing conditions, maternity care, or certain types of medical services, and they may have lower coverage limits for certain types of care.
Not ACA Compliant
Short term health insurance policies are not compliant with the Affordable Care Act (ACA), which means that they do not offer the same protections and benefits as ACA-compliant plans. For example, they may not offer coverage for essential health benefits or preventive care.
Short term health insurance policies provide some benefits for individuals who need temporary coverage or for people seeking more affordable options, but they do come with their limitations, especially when it comes to types of coverage.
How to make informed decisions about short term health insurance?
When considering short term health insurance, it's important to make informed decisions to ensure that the policy meets your healthcare needs and provides adequate coverage. When considering short term health insurance, you must take the time to research different short term health insurance policies and compare the benefits, coverage, and costs of each plan. Consider the length of coverage, deductibles, premiums, and any limitations or exclusions. It is also important to think about your current and future healthcare needs when choosing a short term health insurance policy. Determine what types of services and benefits you need, and make sure the policy covers those services.
When you have options for health insurance providers, you should check the network of healthcare providers included in the policy to ensure that your preferred doctors and hospitals are included, the geographic coverage, and the availability of healthcare providers in your area. Afterward, you can review the policy documents to understand the benefits, exclusions, and limitations of the policy. Look for any gaps in coverage or restrictions on the services and treatments covered, since doing so will preemptively help you know what future claims may have risk of denial.
If you have faith in the company after your research, you need to look into the insurance company's reputation, financial stability, and customer service ratings before purchasing a policy. You can do so by reading reviews from current or former policyholders to get an idea of their experiences with the company. And, to have an even better idea of the company themselves, consulting with a licensed insurance agent who can help you understand the policy details and answer any questions you may have would be helpful. They can also provide recommendations based on your healthcare needs and budget.
By taking the time to research your options and evaluate your needs, you can choose a short term health insurance policy that provides the coverage you need at a price you can afford. This may help you avoid future claim denials.
How can insurance lawyers help with short term health insurance?
Attorneys are most valuable in helping you understand the legal requirements of specific insurance policies. An insurance lawyer can help you understand any state-specific regulations and federal laws such as the Affordable Care Act (ACA). They can also help you determine if you are eligible for a special enrollment period or if you qualify for subsidies or other financial assistance. When it comes to choosing a policy, an insurance lawyer can review the policy documents for the short term health insurance policy you are considering to ensure that the coverage meets your needs and that there are no hidden exclusions or limitations.
An insurance lawyer becomes most helpful in instances of denial. If you have been denied coverage or are facing a claim denial or other issue with your short term health insurance, an insurance lawyer can negotiate with the insurance company on your behalf to resolve the issue and ensure that you receive the coverage and benefits you are entitled to.
If negotiations with the insurance company are unsuccessful, an insurance lawyer can litigate insurance disputes in court to protect your rights and seek a favorable outcome. No matter your needs, an insurance lawyer can help you navigate the complex world of short term health insurance and ensure that you receive the coverage and benefits you need. They can provide legal guidance and representation throughout the insurance process, especially when it comes to resolving disputes and claims issues. If you need help with your short term health insurance, do not hesitate to contact an experienced health insurance attorney from Wettermark Keith in Alabama, Tennessee, or Florida.
Wettermark Keith: Health Insurance Attorneys
Without extensive legal knowledge, it can be difficult to know how to proceed after an insurance denial. No case is too big for our health insurance lawyers to pursue. We represent each and every client with compassion, and employ the thorough legal expertise needed to make their case a success.
Our firm has built a positive reputation in the industry through years of hard work, dedication, and real results. With offices in Alabama, Tennessee, and Florida, Wettermark Keith remains one of the top personal injury firms in the Southeast. Our success is in our strong relationships with our clients, based on constant communication and an unwavering dedication to truth and trust. Winning health insurance cases isn’t our goal - caring for you is. Winning is just how we show it. If you have lost a loved have been denied insurance, contact our seasoned health insurance lawyers today. Together we can seek a financial compensation figure that meets your needs. Contact us today at (877) 715-9300 or through our online form to set up a complimentary consultation.
If our attorneys produce no recovery, then you pay no fee- guaranteed!
Our firm operates on a contingency fee basis, meaning you pay nothing out of pocket. Any legal fees and associated costs will be collected from your winnings at the conclusion of the case. If your attorney is not able to obtain a verdict or settlement for your injury, you will not be charged any legal fees for their efforts.
FREQUENTLY ASKED QUESTIONS
The primary type of damages we can pursue is called compensatory damages. Compensatory damages include non-economic and economic damages. These damages include the following:
- Medical bills
- Lost wages
- Property damage
- Cost of further medical treatment
- Mental anguish
- Pain and suffering
An experienced personal injury attorney in Chattanooga must prove that your damages are quantifiable. Additionally, if the defendant acted egregiously, you might recover punitive damages.
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