What If My Health Insurance Policy Does Not Cover Coronavirus in FL?

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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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