Blue Cross Blue Shield Insurance
Unexpected Policy Cancellations
There is a form of bad faith that Blue Cross Blue Shield (BCBS) uses called policy rescission. What this means for the insurance provider is that it saves time and extreme amounts of money. For the insured individuals, it means a devastating realization about what their policy really entails. This process, also known as post-claim underwriting, occurs when BCBS reviews a substantial claim and cancels their policy due to the fact that the policyholder did not reveal a critical fact in their original insurance application.
For example, if a woman had to have an ovarian tumor removed, but had failed to mention that ovarian cancer runs in her family, it could result in her removal from their insurance. They refer to it as a misrepresentation of information if the insured had forgotten any form of pertinent information when they first came to BCBS. This system they have completely takes advantage of people when they are at their weakest state. Most people may leave off small details in their application without the intent of deceiving their insurer, but rather because the y did not find the facts that important. This may come back to hurt them later on.
The Next Step: Legal Representation
Blue Cross Blue Shield is a major health insurance provider and may seem like a monster to take on in court. If you attempted to represent yourself, it very well could be futile. When you seek one of our lawyers at Gianelli & Morris, you can be assured that we will stand for your rights. Having dealt with cases involving BCBS in the past, we consider ourselves very knowledgeable on these kinds of cases. Our legal team is eager to aid you in settling your claims with BCBS and receiving the help you deserve.