Health Insurance Disputes

Birmingham, Alabama, Health Insurance Dispute Lawyers

Were you sold a health insurance plan that does not provide what you were told it would? When you submitted claims, were you told the services were not covered under the terms of your policy? Did your premiums drastically increase on your "group" policy when you or a family member got sick? When it was time for your parent to enter a nursing home or other facility, did the long-term care policy refuse to pay or did the premiums increase?

At McCallum, Methvin & Terrell, P.C., our Birmingham, Alabama law firm, our attorneys help clients who have been victims of fraudulent and deceptive practices. If you were misled about your insurance policy and would like one of our lawyers to evaluate your potential case, you may contact our office to arrange a free consultation.

Association group health plans have been marketed to self-employed individuals and small businesses as an alternative to traditional group health plans. Although some are legitimate, some are insurance scams set up through fraudulent and deceptive marketing schemes. Were you required to join an association so you could buy health insurance coverage? Did you find out when you submitted claims that you didn't qualify for benefits? After buying the insurance, did you experience large premium increases when you or your family member became ill?

Medicare Advantage Plans and HMO Litigation: HMOs sell healthcare plans called "Medicare Advantage Plans" to Medicare beneficiaries, who are either elderly or disabled. Our litigation attorneys handle cases for those Medicare beneficiaries who were enrolled in Medicare Advantage Plans represented as "extra help" for their Medicare or "supplements" to Medicare. The sales agents sometime fraudulently tell the Medicare beneficiary that the healthcare plan saves the enrollee money. The problem is that a Medicare Advantage Plan replaces a beneficiary's original Medicare coverage. Although the plans offer supposed benefits that original Medicare does not have, Medicare Advantage Plans require the enrollee to join a private network of healthcare providers. In other words, when a beneficiary enrolls in a Medicare Advantage Plan, they can no longer use their regular doctor in many cases. Their normal healthcare coverage is substantially changed. These important facts are not disclosed to the enrollee at the time of enrollment. Enrollees often incur excessive medical bills if they go to a doctor or medical provider outside of the HMO network.

Health insurance disputes: If your insurance provider has denied your legitimate health insurance claim, you may have an insurance bad faith claim. Contact our Birmingham, Alabama office and ask for a free consultation. We will arrange for you to meet with a lawyer with the experience to evaluate your situation. In most cases, if we take your case, you pay no expenses or attorney fees unless we recover a settlement or verdict on your behalf.

Our Birmingham, Alabama attorneys practice in state trial and appellate courts and federal trial and appellate courts throughout the country. The firm's attorneys are licensed in Alabama, Mississippi, Georgia, Florida, Tennessee, Oklahoma, West Virginia, Kentucky and Texas and represent clients throughout the country in association with lawyers in other states.

In Alabama, the firm's attorneys have litigated cases in almost all of the 67 counties, including Barbour County, Bibb County, Bullock County, Chambers County, Choctaw County, Dallas County, Greene County, Hale County, Jefferson County, Lowndes County, Macon County, Marengo County, Mobile County, Montgomery County, Perry County, Sumter County, Talladega County, Walker County, Washington County and Wilcox County.

McCallum, Methvin & Terrell, P.C.

Birmingham Consumer Protection and Business Litigation Attorneys