Health Insurance

Chicago Health Insurance Lawyers Representing Claimants Embroiled in Disputes with Health Insurance Companies

Helping clients throughout Chicago by demanding justice in bad faith insurance litigation

You pay your monthly health insurance premiums because you know that with the skyrocketing costs of health care, you would be unable to pay for the care you or your children might require if they were injured or required medical care for an illness or disease. You expect that your health insurance policy will kick in and cover the medical costs that it says it will cover, but sometimes you end up in a dispute with your health insurance company about a denial of coverage for a legitimate healthcare expense. It can feel daunting to go up against a massive corporation who seems to view you simply as a policy number.

At Gainsberg Law, we work to level the field for our clients when it comes to holding health care insurers responsible for covering legitimate healthcare claims that are covered in the insured’s policy. Our Chicago health insurance dispute attorneys are thoroughly familiar with health insurance contracts, we are skilled negotiators and we can take on the challenge of holding the insurance company responsible for upholding their part of the contract.

Some of the health insurance companies that serve the Chicago area that our clients have worked with include:

  • AARP
  • Allstate Insurance
  • BlueCross BlueShield of Illinois
  • Cigna Healthcare – Illinois
  • Humana Inc.
  • General Insurance Agency

What is health insurance?

Health insurance is a type of insurance policy that covers the medical expenses of the person who purchased the policy (and their dependents if it is a family plan). Instead of paying for every medical expense out-of-pocket, the policy covers certain health care expenses such as, office visits to a doctor, surgery, emergency room visits and prescription medications. Depending on the type of plan, the insured is responsible to pay a monthly premium, and make a co-payment for certain types of care. With certain plans, the insured would be responsible to satisfy a deductible, which is an initial payment to the insurance company before the insurance company will cover their medical expenses.

How much is the fine for not having health insurance?

In 2010, the Affordable Care Act (ACA) was signed into law by then President Barack Obama. Also called, “Obamacare,” the ACA virtually transformed the way Americans access health insurance. Now, with the new presidential administration, health care is poised to go through another major shift. Until the new health care plan goes into effect, Americans are still subject to the ACA, which requires everyone who can afford it, who does not receive health insurance as an employment benefit to purchase it or pay a penalty. The fee that Americans will be charged when they pay their taxes is either a percentage of annual household income, or a specified amount for each person in the household who is not insured. You can find out what that penalty might be for you or if you qualify for an exemption at Healthcare.gov.

Examples of disputes with health insurance companies

Health care coverage disputes are growing more common and they will continue to do so as the whole landscape of health care changes. Some of the common factors in health insurance disputes include the following:

  • Wrongfully denied claims for benefits
  • Denial of coverage for hospitalization or a legitimate medical procedure
  • Inaccurate charges for services
  • Refusal to cover innovative treatment options
  • Refusal to cover care for psychiatric conditions

Resolving health insurance disputes

If you have a dispute with your health insurance company, your first steps might be to try to resolve it on your own. After reading your health care plan policy documents and verifying that the procedure or service should have been covered according to the plan, you can contact your insurers customer service department and request a review of your case. Point out the places in the contract that their denial seems to conflict with. If the problem is the denial of coverage, ask that the insurer send you a notice of denial that articulates why they are refusing to authorize coverage.

If the insurance company continues to uphold the denial of your claim after you have appealed it, you can file a complaint with the Illinois Department of Insurance, and then you may want to contact an experienced health care insurance dispute attorney from Gainsberg Law who will be an aggressive advocate for your case against the insurance company.

Illinois law requires that insurers have a duty of good faith and fair dealing with their insureds. If your insurance company’s behavior can be considered insurance bad faith practices, you may be entitled to economic damages, the emotional distress that the denial caused, and in some cases punitive damages.

The trusted Chicago health insurance dispute attorneys at Gainsberg law are prepared to obtain justice on your behalf when you are being treated unfairly by your health care insurance company.

Schedule a consultation with an experienced Chicago health insurance dispute lawyer today

With more than 20 years of experience serving clients in Chicago, Gainsberg Law is prepared fight for your interests when you are forced to go up against a giant health insurer in a legal dispute. At Gainsberg Law, our Chicago life insurance dispute lawyers fight for all the proceeds provided for in your policy and compensation for wrongfully denying your claim. Please contact us at 312-313-1621 or fill out our contact form to get answers now.

Free Case Evaluation

No-Obligation Case Review

  • This field is for validation purposes and should be left unchanged.
Chicago Injury Attorneys

Our Testimonials

M.S., Chicago, IL

"Neal Gainsberg represented me in a personal injury case after a vehicle struck a motorcycle that I was riding on. Neal made sure I understood my rights as an injured party, and that I was receiving the proper medical attention. He did a great job in negotiating a settlement with the insurance company and making sure all my medical bills were paid and that I was compensated for my injuries and loss time at work. I recommend Neal as a lawyer to anyone who unfortunately is injured in an accident."

M.S., Chicago, IL

2016-11-21T16:41:13+00:00

M.S., Chicago, IL

"Neal Gainsberg represented me in a personal injury case after a vehicle struck a motorcycle that I was riding on. Neal made sure I understood my rights as an injured party, and that I was receiving the proper medical attention. He did a great job in negotiating a settlement with the insurance company and making sure all my medical bills were paid and that I was compensated for my injuries and loss time at work. I recommend Neal as a lawyer to anyone who unfortunately is injured in an accident."

V.S.G. and M.G., Richton Park, IL

"Neal is a great attorney. He helped us with several legal issues, including obtaining a large settlement for us following a car accident. He worked very hard on our case from the start, answered all our phone calls and questions, and kept us continually updated. Since then, we have used Neal for other civil matters. We have known Neal for over 13 years, and call him whenever we have a legal question. We know Neal will be there to help us."

V.S.G. and M.G., Richton Park, IL

2016-11-21T19:25:43+00:00

V.S.G. and M.G., Richton Park, IL

"Neal is a great attorney. He helped us with several legal issues, including obtaining a large settlement for us following a car accident. He worked very hard on our case from the start, answered all our phone calls and questions, and kept us continually updated. Since then, we have used Neal for other civil matters. We have known Neal for over 13 years, and call him whenever we have a legal question. We know Neal will be there to help us."

J.T., Chicago, IL

"Neal Gainsberg was a great lawyer. He represented me at a small claims trial and obtained a great result. Neal was there for me and answered all my questions even though my case was not that large."

J.T., Chicago, IL

2016-11-21T19:21:23+00:00

J.T., Chicago, IL

"Neal Gainsberg was a great lawyer. He represented me at a small claims trial and obtained a great result. Neal was there for me and answered all my questions even though my case was not that large."

E.S., Chicago, IL

"Neal Gainsberg represented me in my Chapter 13 case. He knew all the details about bankruptcy and my case, explained everything to me in the beginning, made every issue easy to understand, and provided the help I needed during the five years of the plan. As a result of Neal’s legal assistance, I was able to make all my plan payments and get a fresh start. I highly recommend that anyone considering bankruptcy to give Neal a call."

E.S., Chicago, IL

2016-11-21T19:22:30+00:00

E.S., Chicago, IL

"Neal Gainsberg represented me in my Chapter 13 case. He knew all the details about bankruptcy and my case, explained everything to me in the beginning, made every issue easy to understand, and provided the help I needed during the five years of the plan. As a result of Neal’s legal assistance, I was able to make all my plan payments and get a fresh start. I highly recommend that anyone considering bankruptcy to give Neal a call."

L.S., Chicago, IL

"Neal Gainsberg was an excellent attorney. He explained everything to me and made the process very easy. He was available to answer any questions and provided the help and representation that I needed. I would use Neal again if I had another legal issue. I urge anyone who is looking for a lawyer to call Neal."

L.S., Chicago, IL

2016-11-21T19:24:30+00:00

L.S., Chicago, IL

"Neal Gainsberg was an excellent attorney. He explained everything to me and made the process very easy. He was available to answer any questions and provided the help and representation that I needed. I would use Neal again if I had another legal issue. I urge anyone who is looking for a lawyer to call Neal."

N.S., D.S., Chicago, IL

"Neal Gainsberg was our lawyer in a car accident case. We were both injured in addition to our 16 month old daughter. Even though the other driver ran the red light and we had witnesses of her illegal conduct, her insurance company at first denied our claim and said it was our fault. We hired Neal and he fought the insurance company hard. Without having to go to court, he was able to convince the insurance company that it was their driver’s fault. Neal got a great settlement for us and our child within three months of the accident. We were very happy with Neal, he kept us informed about everything, and eased our stress from the accident. If you want an excellent car accident attorney, you need to hire Neal!"

N.S., D.S., Chicago, IL

2016-11-21T19:33:43+00:00

N.S., D.S., Chicago, IL

"Neal Gainsberg was our lawyer in a car accident case. We were both injured in addition to our 16 month old daughter. Even though the other driver ran the red light and we had witnesses of her illegal conduct, her insurance company at first denied our claim and said it was our fault. We hired Neal and he fought the insurance company hard. Without having to go to court, he was able to convince the insurance company that it was their driver’s fault. Neal got a great settlement for us and our child within three months of the accident. We were very happy with Neal, he kept us informed about everything, and eased our stress from the accident. If you want an excellent car accident attorney, you need to hire Neal!"

J.O., Indiana

"Neal Gainsberg at first represented me in a Chapter 13 Bankruptcy case. He explained everything to me and developed a payment plan that I could afford. Whenever I had any questions, Neal responded quickly to any emails or phone calls. Unfortunately, I lost income during my plan, and Neal recommended that I convert the case to a Chapter 7 case. Despite my worries about my finances, Neal made everything easy for me, converted the case, and made sure that I received a fresh start. Neal was very knowledgeable about bankruptcy law, and I highly recommend him as a bankruptcy lawyer."

J.O., Indiana

2016-11-21T16:42:07+00:00

J.O., Indiana

"Neal Gainsberg at first represented me in a Chapter 13 Bankruptcy case. He explained everything to me and developed a payment plan that I could afford. Whenever I had any questions, Neal responded quickly to any emails or phone calls. Unfortunately, I lost income during my plan, and Neal recommended that I convert the case to a Chapter 7 case. Despite my worries about my finances, Neal made everything easy for me, converted the case, and made sure that I received a fresh start. Neal was very knowledgeable about bankruptcy law, and I highly recommend him as a bankruptcy lawyer."

K.R., Chicago, IL

"After my former lawyer refused to continue with my auto accident case, Neal Gainsberg took over the case, and he was able to obtain a settlement for the other driver’s policy limits. He was actively involved in my case, returned all my calls, and explained any issue that I had during the case. After I spoke with Neal, he was able to resolve any problems or issues. Neal provided exceptional representation against the insurance company for the other driver. Since Neal settled my case, I have recommended him to my family members and friends. If you have a legal issue, you should call Neal and hire him to be your attorney."

K.R., Chicago, IL

2016-11-21T19:21:53+00:00

K.R., Chicago, IL

"After my former lawyer refused to continue with my auto accident case, Neal Gainsberg took over the case, and he was able to obtain a settlement for the other driver’s policy limits. He was actively involved in my case, returned all my calls, and explained any issue that I had during the case. After I spoke with Neal, he was able to resolve any problems or issues. Neal provided exceptional representation against the insurance company for the other driver. Since Neal settled my case, I have recommended him to my family members and friends. If you have a legal issue, you should call Neal and hire him to be your attorney."

R.P., Chicago, IL

"Neal Gainsberg is a smart and an aggressive lawyer. He did a great job on my case. He helped me with a money dispute with a former friend and obtained a judgment for me. Neal listened and paid attention to any question I had, answered my calls right away, and was there for me at every point during the case. He knew exactly what to do in court. If you are looking to get compensation, I highly recommend that you hire Neal."

R.P., Chicago, IL

2016-11-21T19:35:21+00:00

R.P., Chicago, IL

"Neal Gainsberg is a smart and an aggressive lawyer. He did a great job on my case. He helped me with a money dispute with a former friend and obtained a judgment for me. Neal listened and paid attention to any question I had, answered my calls right away, and was there for me at every point during the case. He knew exactly what to do in court. If you are looking to get compensation, I highly recommend that you hire Neal."

L.G., Chicago, IL

"Neal Gainsberg helped me obtain long-term disability benefits. The insurance company denied my claim and cutoff my benefits even though I was set for surgery and there was no way I could work. Neal collected my medical records and letters from my doctors and had my benefits reinstated. I have had no issues with the insurance company once I hired Neal."

L.G., Chicago, IL

2016-11-21T19:19:37+00:00

L.G., Chicago, IL

"Neal Gainsberg helped me obtain long-term disability benefits. The insurance company denied my claim and cutoff my benefits even though I was set for surgery and there was no way I could work. Neal collected my medical records and letters from my doctors and had my benefits reinstated. I have had no issues with the insurance company once I hired Neal."

M.T.G., Chicago, IL

"Neal Gainsberg took my personal injury claim against large store after I fell on water and injured my knee and back. The store employees disputed that anything happened and the manager accused me and my son, who witnessed the fall, of making it up. Neal brought a lawsuit against the store, took several depositions of the store employees, and obtained a great settlement for me and my family. Neal fought hard on my case, and I was very pleased with the results."

M.T.G., Chicago, IL

2016-11-21T19:18:57+00:00

M.T.G., Chicago, IL

"Neal Gainsberg took my personal injury claim against large store after I fell on water and injured my knee and back. The store employees disputed that anything happened and the manager accused me and my son, who witnessed the fall, of making it up. Neal brought a lawsuit against the store, took several depositions of the store employees, and obtained a great settlement for me and my family. Neal fought hard on my case, and I was very pleased with the results."
Chicago BarIllinois BarYelpAvvoBBB
Text Us312-313-1621