Blue Cross Insurance Claim Denial

When you purchase insurance for your car, the insurance company checks your age, address, driving record and other facts to assess how big a risk you pose. The higher the risk, the higher your premiums.

Health insurers rely on an insurance application process to assess your risk. Applicants for individual insurance must fill out a detailed health history and complete a questionnaire. In recent years, Blue Cross has attempted to avoid paying policyholders' claims by disputing the information provided on their health insurance applications.

Blue Cross has been accused of abusing a practice called rescission, the cancellation of a policy because of non-disclosure or misrepresentation of a material fact on an insurance application. They don't cancel the policy at the time of application, but after the policy has been issued and significant premiums have been collected. Typically, policies are rescinded when a policyholder makes a large claim the company would rather not pay.

It's called post-claim underwriting or retroactive review and it is illegal. Post-claim underwriting is an especially loathsome form of insurance bad faith because it targets seriously ill people when they are most vulnerable, leaving them without any coverage from Blue Cross and without much chance of obtaining insurance from another company because of their pre-existing conditions.

A Blue Cross retroactive review department allegedly combed the medical histories of claimants to find material misrepresentations of facts. The insurance company would deny claims or terminal health insurance policies if there was the slightest similarity between the existing health problem and a pre-existing condition.

If you have been the victim of a Blue Cross insurance claim denial or policy cancellation, please contact the insurance bad faith lawyers of Shernoff Bidart Darras & Echeverria LLP for a free initial consultation and case evaluation.

Recognized as the nation's leading insurance bad faith law firm, we have been fighting for the legal rights of policyholders since 1971. Our attorneys and staff have a deep understanding of the insurance industry, how it works, and how it takes unfair advantage of policyholders. We have more than 35 years of experience representing the interests of policyholders. If you have experienced a Blue Cross Insurance claim denial or policy cancellation, we'd like to be of assistance to you.

When you are dealing with a powerful insurance company, it's important to have a strong, experienced bad faith insurance lawyer on your side. You can rely on the Blue Cross insurance claim denial lawyers of Shernoff Bidart Darras & Echeverria LLP to protect your rights and advocate in your best interests.