July 30, 2009 was a happy day for our family. Our new baby girl arrived. And although we have major medical insurance, Humana One denied our maternity coverage, causing us to pay out of pocket.
Being responsible parents, we decided to inform the insurance company that our baby was on the way, four weeks before the baby was born. We asked them if the baby would be covered, and we were told "once the baby is born, the coverage begins," but we had to call them on the day of the delivery, which we did. We did everything Humana One asked of us to do, so we believed our baby was supposed to be covered. The reality is, this is not what happened at all. Humana One denied the baby's coverage for some bogus, illegitimate reasons, and all to save a dollar. They said that "Texas law does not specifically dictate that we cover a baby once the baby is born, so we are not going to cover the baby." Huh?
As a personal injury attorney, I am aware of the techniques used by insurance companies to increase their bottom line; however, this time, Humana One was wrong. There is nothing on our insurance coverage that indicates that "a new born baby is not required to be covered by Texas laws." That is what Humana One is saying now.
Even though my wife and I did what was required of us by informing the insurance company of the new baby and even though we are paying the new premiums for including our new baby in our policy, Humana One says that "they are not required to pay for the baby stay at the hospital."
THIS BLOG IS TO INFORM THE PUBLIC THAT OUR FIRM WILL BE FILING A CLASS ACTION SUIT AGAINST HUMANA ONE HEALTHCARE BASED ON TEXAS INSURANCE CODE VIOLATIONS BY HUMANA ONE.
If you have been denied coverage, and it is not expressively written on the policy, but just as an explanation given to you by one of the insurance representatives, you may have a cause of action against your insurance.
This practice is referred as Unfair Insurance Practice created by Insurance Corporations to increase their bottom line while depriving you of basic coverage. This practice must stop, and we will see to it.
Again, if you have been denied coverage by Humana One Healthcare insurance, and they have not provided you a disclaimer in the policy but just as a proviso by one of their representatives, you may have a cause of action against them. Give us a call (210) 979-9777 or visit our website www.thebaezlawfirmcom.com