Being Denied a Service or Treatment Can be Frightening—Attorney Scott Glovsky and The Law Offices of Scott Glovsky Will Fight for You and Your Future
If you have been denied a health service or treatment by your health insurance company, you may feel helpless, unsure of what to do. After all, your doctor believes the service or treatment is necessary for your health. You can end up feeling powerless and abandoned by the insurance company that promised to take care of you. Scott Glovsky understands these feelings and will step in to help you during this difficult time. Scott has made it his mission in life to fight for justice with all his heart and soul, staying fully committed to his clients. Scott is passionate about fighting for those who cannot fight for themselves. Trying cases allows Scott to tell his clients’ stories and get justice for them. Attorney Scott Glovsky is relentlessly tough with insurance companies, working hard to ensure a better future for his clients.
Aetna is one of the nation’s leading diversified healthcare benefits companies. Aetna is a CVS company, with more than 40 million customers relying on the company for healthcare, in California, Aetna is the sixth in the number of members. Aetna plans and services include medical, pharmacy, and dental plans, Medicare plans, Medicaid services, behavioral health programs, and medical management. The Aetna healthcare network stretches not only across the nation, but also across much of the globe, with roughly 1.2 million healthcare professionals, more than 700,000 primary care doctors and specialists, and more than 5,700 hospitals. Aetna offers a wide range of insurance and employee benefits products which include tools and information to help people make better-informed decisions regarding their healthcare.
Aetna was founded in 1853 in Hartford, CT, playing a key role in building a simpler, more integrated healthcare system. Aetna serves employer groups, individuals, government-sponsored plans, healthcare providers, labor groups, health plans, college students and part-time and hourly workers. Aetna was the first national full-service health insurer to offer a consumer-directed health plan.
The Cost of Aetna’s Denial of Claims
Health insurance policies are contracts, and as such health insurance companies such as Aetna have a duty to engage in good faith and fair dealing. This mandates that neither Aetna nor any individual holding the policy would do anything to injure the other’s rights to receive the benefits of the agreement.
For the insurance company, this means they get paid. For the policyholders, it means they receive the care guaranteed under their insurance policy. However, all too often an insurance company denies a claim for a seemingly mundane reason, leaving policyholders with thousands of dollars of medical debt.
If Aetna denied your health insurance claim, you have the right to appeal its decision with the help of a health insurance denial attorney – like Scott Glovsky. A Los Angeles Aetna health insurance denial lawyer can help you navigate the complexities of insurance law and appeals and work to recover compensation for your losses or help secure coverage for a procedure. You can learn about fighting a denial by downloading our eBook on this topic.
Health care costs have climbed dramatically over the last several decades. According to statistics released by the Henry J. Kaiser Family Foundation, the national average daily cost for an individual to stay in a hospital is slightly over $2,000. The average cost for an individual to stay a single day in the hospital in California was closer to $3,000 in a state or local government hospital and $3,752 at a non-profit hospital. These statistics underline the importance of having an insurance policy.
What are the “Typical” Coverage Denials from Health Insurance Providers Like Aetna?
Insurance companies may give all sorts of reasons for a healthcare claim denial. While some of these reasons could be legitimate, many others are not, having more to do with the company’s financial bottom line than anything else. If you are unsure why your insurance claim was denied, you should have received an Explanation of Benefits (“EOB”) which will tell you the reason for the denial. The most common reasons for denials from health insurance providers like Aetna include:
- Your doctor provided insufficient evidence of medical necessity
- You failed to use an in-network provider
- You failed to obtain prior authorization or pre-certification for your service or treatment
- Your procedure or treatment is considered non-essential or elective by the insurance company
- There were coding errors for your diagnosis or procedure
- There was an omission of the diagnosis or procedure
- The insurance information was incomplete
- The insurance information was inaccurate
- Your filing time limit has passed
- You have not yet paid your deductible
- You failed to pay your co-pay
- Your application was incorrect or incomplete
Whatever reason your insurance company gives you for denying coverage for a treatment or procedure, they must provide a written explanation that includes information for an appeal of the denial. When the process set forth by the state of California for appealing a denial fails, you have other options for appealing the denial of your claim.
A health insurer denial lawyer like Scott Glovsky can help you appeal your denial of coverage. Whether your denial involves an outright denial of treatment or a refusal to reimburse already-received treatment, having a highly experienced health insurance denial attorney in your corner can help ensure enforcement of insurance policies.
How to Appeal an Aetna Denial of Coverage
If Aetna denies your legitimate claim, you can print a Member Complaint and Appeal Form and appeal the decision on your own, or you can hire an experienced attorney who files these appeals on a daily basis for people just like you. You have 180 days from the time you receive notice that your claim has been denied in which to file an appeal. If your plan provides for only one appeal, and if/or Aetna had to approve your claim before you received care, the company will make a decision within 30 days of receiving your appeal. For all other claims, Aetna will make a decision on your claim within 60 days.
If your claim provides for two appeals, and Aetna had to approve your claim prior to receiving the service, the company will make a decision on your appeal within 15 days of receipt of the appeal. For all other claims, Aetna will make a decision on your appeal within 30 days. For two appeal plans, if you do not agree with the decision made by Aetna, you can ask for a second review within 60 days of the date you receive the first appeal decision.
If your situation is urgent—that is, if you doctor feels a delay will put your health, your life, or your recovery at serious risk or cause you pain, then you are entitled to file an expedited appeal. If your plan has one level of appeal, Aetna will give you its decision no later than 72 hours after receiving your request for review. If your plan has two levels of appeal, Aetna will provide a decision no later than 36 hours after receiving your request for review.
If your claim is still denied after your appeal, you may be entitled to have an independent party review your claim denial. This is known as an external review. The Affordable Care Act created new rules for health plans; plans that are subject to these rules must include an external review process.
FAQs Regarding Aetna Coverage Denials
If you have been denied healthcare coverage, you may have many questions, including:
What paperwork do I need when filing an appeal for a claim denial?
It is important that you keep copies of all information related to your claim and to the denial of that claim. You will definitely need your Explanation of Benefits letter which details what payment or services were denied. Keep a copy of the request for internal appeal that you send to your doctor, as well as any documents sent to the insurer and a copy of any letter or form you sign if you choose to have an attorney file your appeal for you. Keep all originals for yourself and submit copies to the insurer. Keep a log of notes and dates from any phone conversations you have with your insurer or your doctor relating to your appeal. These notes should include the name of the person you talked to, the date and time, and details of the conversation.
What types of claim denials can be appealed?
You can file an internal appeal to Aetna if the company denies payment for a health care service you believe should be covered. Denials that state your service is not a covered service can be appealed, as can a denial that claims your medical problem began prior to your joining Aetna. If your claim denial was because the requested service or treatment is considered experimental or not medically necessary, you can appeal those decisions. Finally, if your denial states you are no longer enrolled or eligible to be enrolled in your Aetna health plan or that Aetna is revoking or canceling your coverage, claiming you gave false or incomplete information, you can appeal these decisions.
What types of claim denials can go to external review?
Any denial that involves medical necessity, effectiveness of a covered benefit, level of care, health care setting, or appropriateness can go to an external review. Any denial involving an experimental treatment can go to external review, and any rescission of coverage can go to the external review.
Understanding Your Rights as an Aetna Policyholder
Having health insurance often gives people a sense of security, as it seemingly guarantees that they would be able to see a doctor and afford proper medical care if they ever needed it. However, if a health insurance claim is denied, it is important for individuals to understand their rights.
Generally, insured individuals have the right to:
- Information about why their claim or health care coverage was denied
- A right to examine and respond to all information used in Aetna’s internal appeal decision
- A right to engage in an independent review of the appeal
A Los Angeles Aetna health insurance denial lawyer can help protect your rights while advocating for you.
News Related to Aetna
In late 2018, Aetna and CVS completed a $70 billion dollar merger. This “megamerger” which had been rumored since late 2017, capped off an eventful year for both companies. The combination of a pharmacy giant and one of the “Big 5” insurers will likely have significant ramifications on a number of healthcare aspects. The CEO of CVS stated that the combined capabilities of the two organizations could literally transform the consumer health experience. While the megamerger received DOJ approval, both companies were required to satisfy certain parameters, including Aetna’s sale of its Medicaid Part D to WellCare. California also required the companies to give $240 million to the state’s healthcare infrastructure, as well as to guarantee there would not be a rise in premium rates because of the merger.
How Scott Glovsky Can Help if You’ve Had a Coverage Denial
Most of us expect our health insurance company to provide the services they have promised to provide, including paying for medical emergencies, or paying for tests, treatments, and medications when you are ill. Unfortunately, health insurance companies like Aetna seem to always be looking for a way to deny coverage, thereby increasing its own profits. Scott Glovsky is the Aetna health insurance denial lawyer you need in your corner when it comes time to fight the insurance company.
Scott Glovsky exposed Aetna’s review practices of medical directors not reviewing medical records before denying treatment through litigation that led to national news and investigations into Aetna by the United States Senate, California Department of Managed Health Care, California Department of Insurance, Colorado state regulators, Washington state regulators and Connecticut state regulators.
For more information you can see these articles: Aetna settles suit alleging claim-denying medical director never read patient’s records; Leading Senate Democrats want answers from Aetna CEO; California launches investigation following stunning admission by Aetna medical director; Aetna inquiry widens over ex-medical director’s comments; When insurers require patients to stop treatment.
Scott Glovsky can file an appeal with the internal processes of Aetna, create a case before the state’s review board, or take your case to court to enforce a policy. If Aetna denied your health insurance claim, contact the Law Offices of Scott Glovsky today to find out how we can help you during this difficult time. We want to make sure you get the treatment you need, while also making sure Aetna provides the coverage you were promised.