Nierman Law, P.L.C. practices in state and federal courts throughout Iowa, and serves people in Des Moines, Iowa City, Cedar Rapids, Marion, Davenport, Bettendorf, Cedar Falls, Waterloo, Ames, Coralville, North Liberty, Muscatine, Washington, Tipton, and Grinnell.

Health Management Organizations (HMOs) and Health Insurance

For most people, health insurance is a necessity. With the sky rocketing costs of medical care, even the simplest procedures can cause a great financial burden. You bought health insurance so that it would cover you and your family when you have a claim. You paid the premium assuming that if you or a family member becomes ill or injured, your costs will be covered. When your insurance company denies or delays a claim, this can cause significant financial hardship.

Health insurance policies are complex and confusing documents with varying amounts of coverage, deductibles and networks. Most people never actually see a complete copy of their policies and the extensive terms and conditions that can affect their benefits. Nierman Law, P.L.C. can assist you if your claim for benefits is being denied or delayed. We can review your policy, help you understand your options for pursuing benefits, and deal directly with the insurance company on your behalf. In some cases, your insurance company may be forced to pay you punitive damages because of bad faith claim handling.

Our services include resolving all types of insurance denials and delays, including but not limited to:

• Delays and Underpayments
• Usual, Customary and Reasonable (UCR)
• Medical Necessity
• Pre-Existing Condition
• Contractual Disputes
• Silent PPOs
• Precertification
• Coordination of Benefit issues (COB)
• Personal Injury (liens)
• Workers Compensation
• COBRA
• Refund Requests

We have experience obtaining coverage for clients who required complex and expensive medical procedures. Read more about some of these client successes. Disputes over coverage most often occur when you require major surgery or long-term care. However, denial of the medical care you need, regardless of severity, can create a stressful financial and medical situation.

What can I do if my insurance company wrongfully denies my claim?

Contact us today for your free initial telephone consultation.