Disability Policy Underwriters at Humana Inc.
Time to Take Legal Action? Our Insurance Lawyers Can Help.
Health insurance companies like Humana Inc. provide coverage for life’s unexpected accidents. Insurance can cover a broad range of medical issues. Disability insurance can also play a significant role in helping a family stay afloat when the provider can no longer work due to a serious injury or illness. However, the process of obtaining benefits from an insurance company is not always so simple.
Like many providers, Humana does not have a clean rap sheet. The company has been in the news frequently for a variety of issues, including claims that it overcharged for its Medicare Advantage program, failed to provide accurate beneficiary information, and improperly collected refunds from healthcare providers. Humana was even ordered to pay more than $1 million for violating the Fair Labor Standards Act.
Has your claim been denied or mishandled by Humana Inc.? Call our insurance claims attorneys at (888) 493-1629.
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Growing from Nursing Homes to Insurance Coverage
While Humana currently has more than 13 million customers and yearly revenue of around $41 billion, it started with a much smaller scope in mind. Back in the early 1960s, the company began as a nursing home company. In the 1970s, it moved into for-profit hospitals and managed care plans, changing its name from Extendicare to Humana. After the for-profit hospital market began to suffer, the company decided to develop its health insurance plans and created a network of doctors to bring patients in. By 1993, the health insurance industry was going so well the company decided to separate its hospitals into another company, which later merged with Columbia Hospital Corp. and subsequently Hospital Corporation of America. It was not always this booming for the growing insurance company, however.
Legal Troubles for Humana
- In 1994, Humana agreed to pay Florida members a settlement of $6.25 million in response to claims that it required them to pay more for their hospital bills than required under their policies.
- In 1996, a physician testified before Congress that the company frequently refused to authorize expensive treatments to the point where a young man even died from being denied a heart transplant.
- In 2000, Humana settled a case with the Texas Medical Association due to allegations that it had violated the Americans with Disabilities Act by denying people with chronic illnesses the treatment needed.
- In 2013, Humana was fined by the Kentucky Department of Insurance for sending policyholders misleading letters about amending their health coverage.
Although Humana has grown into one of the largest health coverage providers in the country, it has frequently dealt with litigation with policyholders, regulatory issues with the government, and even legal disputes with the U.S. Department of Labor.
Insurance Claim FAQ
Does My Insurance Company Have a Time Limit to Respond to Me?
Yes. When insurance companies don’t respond in a timely manner, they are acting in bad faith. Bad faith is a term used to describe and insurance company’s obligation to serve claimants who pay for their services. While not all delays are bad faith, many are signs that you need the help of an attorney.
What If My Insurance Company Is Delaying or Denying My Claim?
Insurance companies are businesses who focus on making a profit. Unfortunately, they attempt to make as much as possible by delaying or denying claims that they shouldn’t. For example, a company might delay a claim to make a claimant feel as if they had finally won once they finally receive approval for it. In other instances, insurance companies will deny a claim hoping that the claimant will accept defeat. Neither practices are acceptable, and our team is ready to help you if you’re facing them.
What If My Insurance Only Offers a Partial Payment?
Many times, insurance companies will offer someone a smaller payment than they deserve for a claim. They do this out of hope that the claim will be accepted, and they’ll be absolved of paying out any future costs associated with it. Speaking with our insurance claim lawyers will help you decide if your provider’s offers are fair.
Get Legal Representation for Your Bad Faith Insurance Case
Insurance companies are expected to act in a certain manner and treat their policyholders fairly. When they fail to honor a claim under their policy terms, deny payment, or attempt to delay or underpay a claim, it can be a serious legal violation. If you have endured such treatment from Humana, reach out to our team. Our Houston insurance lawyers have taken on major insurance companies over the years and are ready to help.
Schedule a free consultation with us today by calling (888) 493-1629 or filling out a free case evaluation.