Health Insurance Policy Rescission

Summary

If your health insurance company rescinds your policy without proper grounds, it may be considered bad faith. Steps to take include appealing the decision within the insurance company, filing a complaint with the Florida Department of Financial Services, and consulting with a lawyer. Having a copy of the formal agreement is crucial. If the rescission is based on misrepresented weight, provide proof of your weight at the time of application. For a more detailed appeal letter, consult a legal professional.

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My health insurance company is trying to rescind my policy and are refusing to pay any claims.
Hello Christian, I'm sorry to hear about your situation. Can you please share your location to provide more accurate information? Also, do you have any proof of payment or formal agreement with your insurance company?
Orlando Florida USA
Hello Christian, if your insurance company in Florida rescinded your policy without proper grounds, it could be considered as bad faith. Here are some steps you can take:
*. Appeal the decision within the insurance company.
*. File a complaint with the Florida Department of Financial Services.
*. Consult with a lawyer to discuss potential legal action.
Yes I have copy of formal agreement
That's good, Christian. Having a copy of the formal agreement can be crucial. You may need to present this document if you decide to file a complaint or take legal action. Let me know if you need further assistance.
Help me write a letter to appeal the decision.
Sure, Christian. Here is a simple format:
[Your Name]
[Your Address]
[City, State, Zip]
[Date]
[Insurance Company's Name]
[Insurance Company's Address]
[City, State, Zip]
Subject: Appeal Against Policy Rescission
Dear [Insurance Company's Name],
I am writing to formally appeal the decision to rescind my health insurance policy. I believe this decision was made without proper grounds and is in violation of our agreement.
Enclosed is a copy of the said agreement for your reference.
I kindly request a thorough review of my case.
Sincerely,
[Your Name]
Remember, this is a general format. You should include as much specific information as you can.
Disclaimer: This is not legal advice. For a more detailed appeal letter, you should consult with a legal professional.
Can I give you more info about the insurance companies decision to rescind my policy?
Absolutely, Christian. The more information you can provide about the insurance company's decision, the better I can guide you. Could you please share the reasons they gave for rescinding your policy?
The insurance company states “ According to medical records from Advent Health Orlando HIM , you did not meet the weight eligibility guidelines at the time of application.”
If your weight was misrepresented on the application, Florida law allows rescission. However, if your weight was correctly stated, this might be an issue of bad faith. Consider:
*. Providing proof of your weight at the time of application.
*. Consulting with a lawyer to discuss potential legal action.
Help me write a letter to my insurance company about this, contesting their decision to rescind my policy. Try and make it sound official and scary so they will be afraid to rescind my policy.
Sure, Christian. Here's a format you can use:
[Your Name]
[Your Address]
[City, State, Zip]
[Date]
[Insurance Company's Name]
[Insurance Company's Address]
[City, State, Zip]
Subject: Unlawful Rescission of Insurance Policy
Dear [Insurance Company's Name],
I am writing to contest the rescission of my health insurance policy due to supposed non-compliance with weight eligibility guidelines.
This decision, I believe, is unfounded and potentially represents an act of bad faith. I have evidence that my weight at the time of application was accurately represented. I demand a thorough review of my case.
Failure to rectify this could result in legal consequences, as I am prepared to take necessary actions to protect my rights.
Sincerely,
[Your Name]
Remember, this is a general format. Include as much specific information as possible. This isn't legal advice. Consult with a legal professional for a more detailed letter.