Surprise! Your Insurance Company is Not On Your Side

Web Admin - Tuesday, March 07, 2017

Rolling Meadow insurance dispute attorneysIf you are like most consumers, you have seen the feel-good insurance commercials. The insurance companies claim to have only your best interest at heart, and promise to be there when things go wrong. Of course you believe them. After all, you pay your premiums every month. What reason would they have to deny your claim? You might be surprised. 

The Ugly Truth About Insurance Companies

Insurance companies are for-profit businesses, and, like most for-profit companies, they are in the business of making money. They cannot reasonably make money if they are busy paying out claims. So they do everything they can to deny them. 

Some use intentionally confusing wording and obscure clauses that their customers could not reasonably interpret. Others offer rewards to their employees who have the lowest payout quotas. Some will even go so far as to use shady practices, such as locking claims in a safe to delay the process so significantly that the customer eventually gives up. 

Sound unfair? It is! Yet it is an everyday issue within the insurance industry. Thankfully, there are some things that consumers can do to mitigate the risks of having their claim denied. 

Never Handle a Claim Alone

First and foremost, consumers should avoid trying to file a personal injury claim on their own. Instead, they should seek the assistance of an experienced personal injury lawyer. Medical insurance claims are somewhat different since, typically, the doctor or office staff initially submit the claim to the insurance company. Those who need to file a claim against their homeowners insurance should seek guidance from someone other than their insurance company since some have been known to drop their customers for even inquiring about a possible claim. 

If Your Claim is Denied or Delayed

Should you experience a denial or delay of a claim, either because you already filed it without assistance, or because of the insurance company’s shady tactics, it is important that you seek experienced assistance before addressing the issue. 

At Drost, Gilbert, Andrew & Apicella, LLC , we have the knowledge, experience, and resources you need to navigate through an insurance claim denial. Dedicated to your best interest, we will fight to get you and your loved ones the fair settlement that you deserve. Learn more about how our Rolling Meadows insurance claim dispute lawyers can assist with your case. Call 847-934-6000 and schedule a consultation today.

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.



Fighting Denied Health Insurance Claims

Web Admin - Friday, January 06, 2017

Rolling Meadows insurance dispute lawyersAccording to data from the health insurance industry, approximately one in 14 of all health insurance claims are denied by the insurance companies. Worse yet, only about half of all patients who appeal their claims end up winning. Much of the time, this subsequent denial is due to a lack of experience or understanding of the health insurance appeals process. If you or someone you love is facing a denied health insurance claim, the following information can help. 

Understanding the Most Commonly Denied Claims

Before going up against a denied claim, it is important to understand why it was not covered by your insurance company. This can help you plan a strategy, and may even provide you with the knowledge you need to fight back. For example, you might receive a denial for an unauthorized service or procedure if your doctor failed to receive preauthorization. Alternatively, the denial could be due to an error in coding (the method doctors use to bill for procedures), or because a critical piece of data was entered incorrectly. This happens in about 10 percent of all claims. Other reasons that a claim might be denied could be related to a billing for the same procedure on the same day, or because you have allegedly exceeded the maximum number of times a procedure is allowed. Denials because a plan does not cover a procedure are also common. 

Why Patients Should Not Try to Fight Denied Claims Alone

Although patients can and sometimes do fight back against denied claims on their own, it is highly discouraged. This is not just because you could be denied, yet again, possibly leaving you responsible for a bill you cannot and should not pay, but also because the process is difficult and complex. It is an added stressor in your life - one that you may not need. This can be especially true for those who suffer from severe and/or chronic injuries, illness, or disabilities since they are more prone to insurance claim denials and far more likely to struggle with the appeals process due to a lack of time and/or energy.

Our Rolling Meadows Insurance Dispute Lawyers Can Help

Fighting a claim does not have to be an impossible feat. Instead, let Drost, Gilbert, Andrew & Apicella, LLC help you with the process. We handle all the legal details, protect your interests, and fight for a favorable outcome. Learn more about how we can assist you. Call 847-934-6000 and schedule your consultation with our Rolling Meadows insurance dispute lawyers today.

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


Recent Posts


Illinois will lawyer trucking accident lawyers Arlington Heights employment attorney South Barrington real estate attorney vacation home fines Illinois personal injury lawyer drug crimes lawyer Illinois insurance claim dispute lawyers Illinois employee rights attorney. Buffalo Grove employment lawyer Barrington criminal defense lawyer ken apicella Crystal Lake medical malpractice lawyer Palatine law firm mortgage irrevocable trust Rolling Meadows insurance dispute lawyers digital information Illinois employment law firm Inverness personal injury attorney small business Long Grove estate planning attorneys Des Plaines civil attorney rent to own real estate contracts Palatine civil attorney probate lawyer medical malpractice compensation life insurance claims job lawyers Long Grove wills and trusts attorneys Arlington Heights real estate lawyer motorcycle accident traffic violations defense civil rights violation Barrington estate planning lawyer Illinois registered agent digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers personal injury Rolling Meadows accident lawyer trustee Buffalo Grove injury lawyer Illinois bicycle safety Chicago lawyer traffic deaths Des Plaines Traffic Lawyer Des Plaines motorcycle accident attorney Arlington Heights lawyer insurance claim denial personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Rolling Meadows insurance attorney institutional trustee GM ignition switches Des Plaines collections attorney BAC Illinois employment lawyer Inverness DUI lawyer IRELA construction contracts insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys motorcycle accident lawyer murder boating under the influence Chicago estate planning lawyer Des Plaines tax law firm corporate law Long Grove estate planning attorney Rolling Meadows Des Plaines criminal attorney Schaumburg construction accident lawyer privacy laws privacy Crystal Lake employment law attorney real estate leasing estate plan pet law Illinois real estate lawyer liability claims Rolling Meadows insurance dispute lawyers, insurance dispute Illinois traffic laws Barrington medical malpractice lawyers Joliet general practice lawyers insurance adjusters wills DGAA Illinois estate planning modern family estate planning Palatine corporate law attorneys gift taxes Chicago biking tips Long Grove real estate attorney Deer Park employment law attorney Rolling Meadows personal injury lawyer personal injury claim Palatine punch death Schaumburg corporate attorney dealing with problem employees drug crimes insurance claim delay Crystal Lake employment attorney manufacturing car crash injuries Rolling Meadows litigation lawyer pedestrian-automobile accident construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation Chicago traffic lawyer back injuries defective products lawyer Transfer on Death Instrument Attorney Ken Apicella Palatine drug lawyer Buffalo Grove probate lawyer insurance disputes rest breaks Mt Prospect Attorney Illinois rollover accident lawyers Barrington civil litigation attorney Rolling Meadows criminal attorney Des Plaines pet law attorney trust payments power of attorney for healthcare Schaumburg estate attorney creditors Illinois jet ski accident lawyer Rolling Meadows medical malpractice lawyers traffic violations Inverness real estate attorney Illinois traffic attorney Arlington Heights employment law attorneys forming a corporation in Illinois Illinois employment attorneys pizza emoji startup company Palatine criminal defense lawyer ObamaCare caregiver Rolling Meadows personal injury lawyers license revocation Des Plaines claims law firm Barrington Traffic Lawyer estate planning lawyer Chicago insurance law firm Palatine insurance lawyer traumatic brain injury hands free device Family Medical Leave Act Policy Cancellation insurance attorney Palatine personal injury lawyer Illinois lawyer Crystal lake insurance dispute attorney insurance agent negligence Inverness elder law lawyer drug crime Rolling Meadows tax attorney criminal law estate tax Illinois pet lawyer insurance claim Buffalo Grove real estate attorney tax attorney Palatine elder law attorney insurance denial appeals Illinois medical malpractice lawyers Rolling Meadows insurance lawyer personal injury claims denial of life insurance Barrington litigation attorney Palatine employment law lawyer Crystal Lake criminal defense attorney rollover accidents denied insurance claims Illinois insurance claim attorney Inverness probate lawyer Palatine construction attorney Schaumburg car accident attorney insurance negligence car accident lawyer living trust Mount Prospect elder law attorney golf accidents Arlington Heights Attorney Fair Labor Standards Act Illinois wrongful termination lawyer Schaumburg estate planning attorney Buffalo Grove medical malpractice lawyers Crystal Lake personal injury attorney reckless homicide financial advisors personal injury law firm car accident Arlington Heights wills and trusts attorneys Palatine employment attorney construction accidents products liability Des Plaines drug lawyer Rolling Meadows traffic attorney vacation home Crystal Lake civil litigation lawyer wills and trusts car crash license reinstatement employment law, Illinois employment laws Rolling Meadows Traffic Lawyer DUI defense Chicago will attorney traffic laws probate process digital evidence real estate contract cell phone Arlington Heights tax lawyer sexual images Palatine estate planning lawyer taxes speeding Arlington Heights TBI attorney business litigation overtime pay Arlington Heights car accident lawyer Illinois red light cameras Illinois Probate Act of 1975 Palatine business attorney employment lawyer civil litigation attorney holiday statistics Illinois medical malpractice case car collision workers compensation car accident lawyers Schaumburg independent contractor Rolling Meadows corporate lawyer fiduciary rule Schaumburg personal injury lawyers Illinois insurance claims lawyers Schaumburg employment law attorneys college kids Illinois trucking safety Illinois workplace discrimination attorney Rolling Meadows personal injury attorney Inverness corporate attorney trench injuries traffic accidents Deer Park motorcycle accident lawyer uninsured motorist Des Plaines real estate attorney Illinois real estate healthcare claims boating DUI involuntary manslaughter Illinois collections attorney Thanksgiving digital assets natural gas explosion Whistleblower Claims Illinois traffic accident lawyer Schaumburg civil litigation attorney Buffalo Grove traffic lawyers problem employees wage theft South Barrington real estate lawyer Illinois injury lawyer workers comp Barrington personal injury lawyer Colin Gilbert bicycle dooring accidents hit and run accident Schaumburg injury lawyer School Visitation Rights Act living trust benefits Jay Andrew Barrington attorney Illinois traffic ticket lawyer preventable medical errors Super Mario Palatine civil litigation lawyer driving Affordable Care Act spinal cord injuries Illinois medical research Chicago attorney breathalyzer test nursing home negligence Rolling Meadows business lawyer Deer Park traffic lawyer employment law Barrington employment law firm real estate attorneys guardianship attorney Palatine Attorney Barrington business law firm real estate zoning Illinois car accident attorney Schaumburg medical malpractice lawyer personal injury lawyer wrongful death estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Inverness insurance attorney expungement Kenilworth estate planning lawyer Deer Park traffic accident attorney Rolling Meadows Attorney Illinois mortgages Deer Park DUI lawyer advance healthcare directive Inverness injury lawyer texting while driving Landlord Tenant Ordinance Des Plaines insurance attorney Buffalo Grove car accident lawyer first degree murder Illinois insurance disputes Deer Park accident attorney life insurance Arlington Heights estate planning attorney Crystal Lake personal injury lawyer Illinois motorcycle accident lawyer Schaumburg Attorney Buffalo Grove law firm breach of contract preventing accidents condo association Rolling Meadows boating crash lawyer BAIID Illinois LLC creation Des Plaines personal injury lawyer drug possession field sobriety test Chicago employment lawyer social media after death paid sick leave suspended license defective products Des Plaines accident attorney deed transfer unfunded trust Arlington Heights wills and trusts lawyers trucking accidents Chicago insurance claim attorneys rumble strips Illinois law real estate closing Schaumburg traffic lawyer Des Plaines injury law firm Illinois business law atorneys insurance claim dispute rollover car crashes Rolling Meadows car accident lawyers Illinois attorney estate attorney Detainer Actions Kenilworth estate planning attorney license appealing an insurance claim murder defense real estate probate claims Colin H. Gilbert Arlington Heights criminal lawyer commercial leases Crystal Lake estate planning lawyer special needs trust trauma after an accident Illinois insurance dispute lawyers senior citizens pedestrian injuries, pedestrian fatality Rolling Meadows traffic law firm medical malpractice claims wrongful termination residential real estate Schaumburg employment attorney filing a medical malpractice claim unauthorized overtime employee misclassification in terrorem provision Home Sale Contingencies Barrington personal injury attorney Illinois living will Chicago employment attorney dynasty trusts Schaumburg probate attorney foreclosed rental property Crystal Lake traffic lawyer Buffalo Grove corporate attorney distracted driving accidents Illinois corporate lawyer Crystal Lake tax lawyer no contest clauses insurance dispute Buffalo Grove personal injury attorney Illinois medical malpractice attorney traffic tickets Des Plaines drug crimes lawyer Illinois defective products attorney insurance agents pain and suffering blood alcohol content overtime violations liability Legal Info Illinois criminal defense attorney liens Crystal Lake car accident lawyer Illinois Workers’ Compensation Commission blended families truck collisions installment contracts pay when paid contract workers compensation benefits sexual harassment Rolling Meadows marijuana attorney product liability crossover accidents Mount Prospect wills and trusts lawyers estate planning Illinois employment laws Chicago car accident lawyer medication errors Illinois estate planning attorney Illinois pedestrian accident attorney Rolling Meadows estate planning attorney IRA trust transfer employment contract POA underinsured motorist homestead rights CAM operating agreements IRA benefits Illinois Wage Payment and Collection Act LLCs cell phone accidents Rolling Meadows real estate attorney Arlington Heights Traffic Lawyer personal injury attorney Chicago will attorney, social media platforms, Illinois estate planning lawyer, Crystal Lake pet attorney changes to mortgage law Illinois Smoke Detector Act new real estate form controlled substance insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Des Plaines real estate lawyer Illinois Human Rights Act Crystal Lake accident attorney loss of consortium Forcible Entry FMLA probate digital media accounts, estate planning, Arlington Heights estate planning attorney, Illinois DUI attorney probate fees Chicago corporate attorney Des Plaines DUI attorney Arlington Heights insurance attorney hiring employees real estate attorney Rolling Meadows DUI lawyer Palatine traffic lawyer Federal Food Drug and Cosmetic Act Crystal Lake law firm icy parking lots power of attorney DUI penalities compensatory time marijuana license suspension jet ski surgical mistakes Illinois probate lawyer right to work Rolling Meadows employment law attorney sole proprietorship internet natural gas Crystal Lake pedestrian accident lawyer federal regulations for LLCs fatal car accidents medical malpractice Buffalo Grove personal injury lawyer Illinois insurance attorney healthcare Rolling Meadows employment law attorneys mass shooting Barrington employment law attorney criminal record medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Palatine trusts lawyer agent Illinois wills and trusts Inverness traffic law firm Barrington Illinois estate planning lawyer estate planning trusts minimum wage Schaumburg criminal law attorney workplace sexual harassment Inverness estate planning lawyer Home Remodeling Repair Act Self-Directed IRA Accounts DUI Barrington criminal lawyer slip and fall accidents premises liability commercial real estate Rolling Meadows probate lawyer distracted driving accident victims Arlington Heights personal injury attorney Deer Park real estate law firm traffic crimes Illinois workers compensation attorney fault based insurance dog bites slip and fall Illinois Transfer on Death Instrument Illinois speeding lawyer bad faith insurance claims DNR criminal defense meal breaks Illinois workers compensation lawyer pedestrian accidents Crystal Lake insurance lawyer disability benefits Employment Discrimination Law Palatine workers compensation lawyer Barrington workers compensation attorney swimming pools Rolling Meadows drug defense attorney Deer Park personal injury lawyer Schaumburg real estate lawyer cell phone tower data Buffalo Grove criminal defense lawyer FSLA Mount Prospect real estate lawyer Illinois Sales Representative Act Illinois elder law attorney estate planning attorney trusts gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys Schaumburg criminal attorney Illinois small business Illinois tax attorney investment property Palatine employment lawyer boating accidents Schaumburg estate planning lawyer Deer Park workers compensation lawyer pedestrian accident income distribution deducation loopholes texting and driving whistleblower protections dram shop law car accidents Chicago estate planning denied insurance claim Illinois traffic attorneys Crystal Lake bike accident lawyer Food and Drug Administration's Food Safety Modernization Act BUI Class A misdemeanor traffic offenses Palatine injury attorney unpaid overtime revenge porn Illinois employment law Crystal Lake medical malpractice law firm anesthesia errors Deer Park criminal attorney estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Illinois business lawyer owner responsibility Arlington Heights injury attorney Barrington estate planning attorney elder abuse deadly crashes work unions personal injury accidents employee rights insurance denials unpaid assessment Schaumburg personal injury attorney auto accidents car crashes Crystal Lake employment lawyer Rolling Meadows employment attorney Illinois job attorney Des Plaines Illinois wills and trusts attorneys Illinois employment law attorney employee discrimination foreclosure Illinois construction accident attorney Illinois home inspection commercial leasing Illinois trusts attorney attorney fees Arlington Heights wills and trusts attorney Illinois civil litigation lawyer pregnant women contracts insurance claims employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, Des Plaines personal injury lawyers Kenilworth estate planning attorneys consent to a search Schaumburg elder law lawyer Arlington Heights trucking lawyer living trust vs will Arlington Heights wills and trusts lawyer landlord tenant law Buffalo Grove insurance claim dispute lawyers Barrington employment attorney Illinois driving without license Barrington real estate lawyer Schaumburg wrongful death attorney Illinois employment law attorneys llinois Real Estate Lawyers Association Illinois personal injury attorney Des Plaines medical malpractice attorney fiduciary rule delay brain injury Illinois workplace lawyer Barrington drug crime attorney Crystal Lake business law attorneys Des Plaines personal injury attorney IRS Riverwoods estate planning lawyer drugs criminal civil litigation eluding a police officer low-ball insurance settlement medical marijuana Deer Park medical malpractice attorney DUI attorney Long Grove estate planning Schaumburg drug defense lawyer caretaker rights comparative negligence marijuana crimes attorney Crystal Lake will lawyer employment attorney employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Illinois boating accident lawyer clemency automated cars wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace head on collisions spinal cord injury Arlington Heights pedestrian accidents Chicago trucking accident attorney Do Not Resuscitate bike accident Exclusions Long Grove real estate lawyer DMV jet ski accidents Crystal Lake injury attorney food poisoning Rolling Meadows criminal lawyer drunk driving murder charges Liquor Control Act life insurance policy Illinois medical malpractice claim Barrington injury attorney underfunded trust Arlington Heights personal injury lawyer probate claims process Barrington boating accident attorney Crystal Lake car accident attorney subcontractor insurance dispute attorney Illinois personal injury ACA Illinois insurance claim dispute lawyer bicycle accidents elder law Illinois estate planning law firm Crystal Lake traffic attorney Schaumburg insurance lawyers pet bites insurance claim denials capital gains tax federal crimes Palatine probate lawyer Retaliatory Discharge Inverness civil lawyer living wills PTSD Palatine corporate attorney Buffalo Grove traffic attorney condo drunk driving statistics employees Illinois personal injury lawyers Fourth of July life insurance lawyer health insurance dispute home inspection lawyer landlord Schaumburg personal injury lawyer underage DUI child safety insurance claim dispute attorney Arlington Heights medical malpractice lawyer Crystal Lake medical malpractice attorneys Palatine real estate lawyer real estate lawyer Inverness real estate lawyer TBI traumatic brain injuries Illinois insurance lawyer Arlington Heights traffic attorney Palatine traffic accidents Arlington Heights accident attorney comp time Arlington Heights car crash attorneys severance agreements Inverness accident lawyer accidental death benefits estate planning for college students