Health Insurance Policy Does Not Cover Coronavirus in Florida

Many individuals are concerned about the risks to their health as the coronavirus (COVID-19) continues to spread throughout the country. You may be concerned about catching the virus and about what could happen after your infection. You may even wonder what could happen if your health insurance policy does not cover coronavirus in Florida.

Depending on the specifics of your health insurance policy and the types of treatment you receive, you may have to pay out of pocket for your coronavirus treatment.

If a health insurance policy unfairly denies you coverage for coronavirus treatment, you may be able to appeal their decision or sue the health insurance company to recover compensation for the costs of your treatment.

Coverage for Coronavirus Treatment in Florida

There are many different insurance companies in operation throughout Florida. Each company offers different policies. If your health insurance policy does not cover treatment for the coronavirus, you may need to pay out of pocket for your treatment.

However, you should be aware that many policies do not specifically deny coverage for coronavirus treatment. This may be true for many people wondering what if my health insurance policy does not cover coronavirus in Florida?

If your claim for coronavirus treatment is denied, you may be able to prove that the denial was unfair and that you were, in fact, entitled to benefits. A lawyer may be able to assist you with this process by submitting an appeal to your health insurance company or by filing a lawsuit against them.

What Your Health Insurance Policy May Cover 

Depending on the structure of your healthcare plan, you may not be able to receive coverage for your healthcare expenses until you pay:

  • Your deductible
  • Coinsurance expenses
  • Necessary copays

Once these payments have been made, your health insurance may cover coronavirus treatments such as testing, inpatient stays in a hospital, observation in a hospital, or visits to a doctor.

While your insurance may not cover 100% of the costs for coronavirus treatment, many insurance companies have copays related to COVID-19 testing. This means that, if you carry health insurance, you may be able to receive a COVID-19 test without charge. Health Insurance Policy Does Not Cover Coronavirus

You may also be asking, what if my health insurance policy does not cover coronavirus in Florida for alternative treatments? Some insurance policies do not cover alternative or experimental medical treatments, so if you seek these treatments, they may not be covered by your insurance.

You may want to contact your health insurance company in advance to ask them for details about what coronavirus testing and treatment options are covered under your plan. 

Speak with the Hospital If Your Policy Does Not Cover Coronavirus

If your insurance company does not cover your coronavirus treatment, you may have to pay out of pocket. In this case, you may want to contact the hospital billing department directly. Billing departments may set you up with a payment plan that can allow you to pay your bills over an extended period of time.

In some cases, hospitals may even reduce your overall bills to help you handle the costs of treatment. 

Get Legal Help Handling Insurance Claims for Coronavirus Treatment

During this crisis, it’s smart to ask, what if my health insurance policy does not cover coronavirus in Florida? If this is the case and your health insurance policy refuses to cover your coronavirus treatments, contact the Law Offices of Wolf & Pravato. A Fort Myers personal injury lawyer from our firm may be able to review the details of your insurance policy to determine if your benefits were unfairly denied. If so, we may be able to appeal the denial or file a lawsuit against your health insurance company.  

Contact The Law Offices of Wolf & Pravato For Help:

Call the Law Offices of Wolf & Pravato at (954) 633-8270 for a free consultation with a member of our team. We may be able to handle your health insurance coverage appeal or lawsuit on your behalf. Our caring and attentive staff will provide you with prompt and responsive communication while we work together on your case. 

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Effect of Coronavirus Having on Service Industry Workers and Small Businesses

Coronavirus (COVID-19) has caused massive disruptions in life throughout Florida. Individuals in the service industry and small business owners have been hit especially hard.

This is due in part to state and country orders to close nonessential businesses and for citizens to stay at home in order to reduce the spread of coronavirus.

There may be state and federal relief available to Florida service industry workers who have lost their jobs and Florida small businesses who have lost revenue because of coronavirus.  

The Effect of Coronavirus on Service Industry Workers in FloridaThe Effect of Coronavirus on Service Industry Workers in Florida

Employees in the service industry have faced harsh conditions since the start of the coronavirus pandemic. Coronavirus has resulted in the loss of many jobs in this field, as many Florida restaurants and bars have been forced to limit services to takeout and delivery only or have temporarily closed. 

According to the Florida Department of Economic Opportunity (DEO), more than 1.8 million unemployment claims were submitted in the state of Florida between March 15 and May 5. Of 463,390 initial claimants in this group, 115,313—nearly 25%—of these workers came from the accommodation and food services industry. 

Florida workers can apply for unemployment benefits online through the Florida DEO. 

The Effect of Coronavirus on Small Businesses in Florida, USA

Many small businesses in Florida have been forced to shut down temporarily as part of the effort to slow the spread of the pandemic. Other businesses remain open if they offer essential services as defined by state or county regulations. However, even small businesses offering essential services have faced decreasing profits as consumers avoid shopping. Stay-at-home orders have kept many people inside, making it difficult for many businesses to continue operations.

The Steps Being Taken to Help Florida Small Business Owners

Many small business owners are turning to the government for financial assistance to handle the effects of coronavirus. Both the federal and state governments have taken steps to provide relief to small business owners.

Federal Relief for Small Business OwnersThe Effect of Coronavirus on Small Businesses in Florida, USA

The federal government set up the Coronavirus Aid, Relief, and Economic Security (CARES) Act in late March 2020. This act provides small business owners with forgivable loans. These loans are designed to allow businesses to pay employees. Currently, you may apply for aid through the CARES Act if you are:

  • Self-employed
  • An independent contractor
  • A sole proprietor
  • A small business owner

Note that these loans may be forgiven as long as recipients spend at least 75% of the funds on payroll. The rest of the loan may only be used on approved items if you would like the loan to be forgiven. 

You can learn more about the CARES Act by consulting a lawyer in Florida.

State Relief for Small Business Owners

The state of Florida has taken some steps to help small business owners, as well. The state briefly offered Florida Small Business Emergency Bridge Loans, but these loans are no longer being offered. 

Florida’s Small Business Administration (SBA) Economic Injury Disaster Loan (EIDL) Program is offering low-interest loans and loan advances to Florida small businesses affected by coronavirus.

The Law Offices of Wolf & Pravato May Be Able to Help You

If you are seeking legal help with issues related to coronavirus in South Florida, call the Law Offices of Wolf & Pravato. We offer a variety of legal services and may be able to help you apply for governmental aid or appeal a denial. 

Find out more by calling (954) 633-8270 to speak with a representative of the Law Offices of Wolf & Pravato. Our team will provide prompt and responsive communication to you throughout our work together.

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Coronavirus Affect My Personal Injury Case in Florida

If you have a personal injury case in Florida, you may be wondering how coronavirus may affect your case.

You may find that your financial situation has changed due to coronavirus. In some cases, this may be true of the responsible party you are pursuing for compensation. This could affect your personal injury case.

Logistically, you may find that the court system with jurisdiction over your case is temporarily closed or has limited access due to coronavirus. Or, that the hospital you are being treated at has temporarily suspended treatments to dedicate resources to coronavirus patients. This could delay treatments you were planning to receive related to your case.

For specific consultation on how coronavirus may affect your personal injury case, you may want to consult a Fort Myers personal injury lawyer

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You May Feel Pressure to Settle Your Case Due to CoronavirusDoes Coronavirus Affect My Personal Injury Case in Florida

Many personal injury cases in Florida end up settled outside of the courtroom. In some cases, insurance companies start with a low settlement offer that may not cover all of your losses.

With the increased financial pressures associated with coronavirus, the pressure to accept one of these initial offers may increase. You may be tempted to accept a small settlement if:

  • You are dealing with financial insecurity due to the virus
  • The insurance company is more focused on reducing payouts due to coronavirus
  • You believe the defendant in your case no longer has the funds to cover your losses

You do not have to give in to the pressure to settle your personal injury case for a low amount due to coronavirus. You still have the right to reject a low settlement offer or file a personal injury lawsuit, if necessary. 

You may wish to speak with a personal injury lawyer who can evaluate a settlement offer to see if it covers the full extent of your damages. A personal injury lawyer can also negotiate with the insurance company on your behalf when you hire them to represent you.

You May Be Unable to Get Noncritical Medical Treatment

Many hospitals and health care facilities have been overwhelmed by individuals suffering from coronavirus. Other noncritical care facilities have temporarily closed down in response to the virus. This means you temporarily may not be able to get health care related to your case. You may have to wait to complete:

  • Follow-up meetings with your doctor
  • Physical therapy
  • Rehabilitation

This could delay your ability to receive the full treatment for your injuries and document your complete medical expenses for your personal injury case. 

You may wish to speak with a Fort Lauderdale personal injury attorney about these logistics and how to proceed with a personal injury case whose treatments were interrupted by coronavirus.

Florida Courts May Be Delayed or Temporarily ClosedCoronavirus Affect My Personal Injury Case in Florida

Your personal injury case may include a personal injury lawsuit if the responsible party’s insurance company does not agree to a fair settlement.

However, many of the courts in Florida are not operating normally. Some courts have:

  • Cut back on their operating hours
  • Reduced face-to-face interactions
  • Shut down completely until the pandemic passes

This means coronavirus may affect the timeline for your personal injury case being addressed by the courts.

Call for a free consultation. (954) 633-8270or

Contact a lawyer Now!

Call the Law Offices of Wolf & Pravato About Your Personal Injury Case

If coronavirus has affected your personal injury case, call the Law Offices of Wolf & Pravato. We represent South Florida personal injury victims and have been monitoring the local effects of the coronavirus pandemic on the court system. We may be able to help you navigate new logistics in your case that are a result of coronavirus. 

For a free consultation on your case, call the Law Offices of Wolf & Pravato at (954) 633-8270.

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Business Loss Insurance Claim Due To COVID-19

COVID-19—also referred to as the coronavirus—is seriously impacting businesses throughout Florida and the U.S. as a whole. Many businesses have been disrupted. Other businesses were forced to shut down altogether as a way to slow the spread of the Coronavirus disease. Additionally, there have been stay-at-home orders throughout Florida during the pandemic.

These disruptions and closures may lead to lost income. Business owners in Florida may be able to cover losses associated with the coronavirus pandemic with insurance coverage. A business loss insurance claim may provide business owners with financial support for their losses related to COVID-19.

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The Basics of a Business Loss Insurance ClaimBusiness Loss Insurance Claim Due To COVID-19

Business loss insurance—or business interruption insurance—may provide you with compensation if your business suffered a loss as a result of a specific event. Many insurance companies offer business loss insurance. However, in order to secure an award from this type of insurance, you may need to show that:

  • Your business was actually interrupted by a damaging event; and
  • You actually endured a loss as a result of the interruption

The coronavirus outbreak in Florida has interrupted normal functioning for many businesses, often resulting in major losses to revenue. Qualifying for a business loss insurance claims due to COVID-19 in Florida is a topic of great interest to business owners, but definitive information can be difficult to find and verify.

Consider the Specific Language Used in Your Business Loss Policy

You may be able to file a business loss claim if you carry this form of insurance. However, many business loss policies use specific language to define the types of interruptions they will cover. For example, some policies may include no specific information regarding interruptions caused by infectious diseases.

Business loss policies that do include information about interruptions associated with a disease may have exclusions. Depending upon the wording of your policy, for example, your insurance may not cover losses caused by viruses or bacteria. However, lawmakers have petitioned insurers to cover losses associated with COVID-19.

A lawyer who understands business loss insurance claims may be able to help you review your policy to determine if interruptions from COVID-19 may be covered, and how to assemble a claim based on the language of your policy.

Filing a Business Loss Insurance Claim in FloridaBusiness Loss Insurance Claim Due To COVID-19 In FL

If you believe an interruption from the coronavirus may be covered by your business loss insurance, you may qualify to file a business loss insurance claim due to COVID-19 in Florida. You may review your policy and declaration page to determine if your policy covers losses associated with COVID-19. You may then:

  • File a claim within your policy deadline
  • Document all losses associated with the COVID-19 outbreak
  • Record saved expenses, such as utility and payroll expenses
  • Focus on the period of restoration, or how long it may take to bring your business back to normal

Filing a business loss insurance claim due to COVID-19 in Florida may also require extensive documentation. You may need to provide your insurance company with:

  • Tax returns
  • Invoices and receipts 
  • Contracts
  • Sales forecasts
  • Financial statements

You may wish to work with a lawyer who understands business loss insurance claims to ensure all your paperwork is in order.

Call for a free consultation. (954) 633-8270or

Contact a lawyer Now!

The Law Offices of Wolf & Pravato Can Help You File A Business Loss Insurance Claim

The Law Offices of Wolf & Pravato is currently helping businesses in South Florida file business loss insurance claims due to COVID-19. If you would like professional legal help with your business loss insurance claim, contact us.

We may be able to help you interpret the details of your policy and document and assemble your claim accordingly. We may also be able to help you if your business loss insurance claim has been denied.

For a free consultation with a member of our team, call the Law Offices of Wolf & Pravato today at (954) 633-8270. Our firm treats all clients with respect and honesty. When you work with the Law Offices of Wolf & Pravato, you can expect an attentive and caring staff that will support you throughout your claim process.

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