Law Office of Kelsay Patterson - Health insurance and medical insurance claims, issues/conflicts

The Law Offices of Kelsay Patterson specializes in health insurance and medical insurance claims issues/conflicts. These include denials, delayed claims payments, and the rejection of claims for surgery, services, and treatments that are medically necessary. Most people acquire their health/medical insurance as a benefit of their employment. Oftentimes employers will deduct premium payments from the individual 's pay and forward it to the insurance carrier directly. When insurance is provided in this manner, legal disputes are normally governed by a very restrictive body of federal law called ERISA.

	We help you navigate the many hoops and hurdles that must be satisfied before bringing a federal action for the purpose of getting the carrier's approval for medical treatment that is covered by the plan/policy and considered to be medically necessary.

When your health or medical insurance was acquired direclty from an agent or an insurance company through your own eforts, these cases are usually subject to state laws and therefore can often be mantained in the Florida state courts. These types of plans/policies may offer more remedies than the restrictive federal statutes including claims for bad faith, tort, and punitive damages.

In most cases our fees are paid to us directly by the carrier upon settlement or approval of the medical benefit