People in Florida typically seek out medical care at emergency rooms for acute and worrisome conditions and injuries. To discourage the use of emergency care, the insurance company Anthem launched a policy of reviewing emergency charges and denying coverage if the company deemed the emergency care inappropriate. Researchers who analyzed the outcomes of this policy determined that the insurer could not reliably identify nonessential emergency visits.
When a Florida resident gets seriously injured or sick and needs to file a claim on their disability insurance, they could be faced with an unexpected denial of benefits. Many group and other employer insurance plans are covered under ERISA, the federal Employment Retirement Income Security Act of 1974. In order to protect the right to sue the insurance company and receive deserved benefits, it can be particularly important to go through the appeals process with detailed preparation and key information.