Is Your Health Insurer Refusing to Pay for Medically Necessary Treatment?

Championing Your Health Care Insurance Rights

Navigating the health insurance system is difficult even in the best of times, let alone when you’re facing a serious illness or medical emergency. When your health insurer refuses to cover a medically necessary treatment, denies a valid claim, or retroactively cancels your policy, the result can be devastating physically, emotionally, and financially. 

At DL Law Group, we don’t just represent policyholders, we champion them. We are a San Francisco-based firm that stands shoulder to shoulder with individuals and families battling unfair health insurance denials. With deep legal experience and a passion for justice, our mission is straightforward: to ensure you receive the care and coverage you've paid for and deserve. 

Our Team of Health Insurance Lawyers 

Whether you’re up against an HMO, PPO, or ERISA-governed employer plan, the attorneys at DL Law Group bring over 80 years of combined experience to the table. We have successfully taken on some of the largest and most powerful insurers in the country, including Anthem, Aetna, Cigna, Blue Shield, and UnitedHealthcare. 

We’re known for our aggressive advocacy, personalized case strategies, and unwavering commitment to client outcomes. And most importantly, we treat every client with the compassion and urgency they deserve during what is often one of the most challenging times of their life. 

Guidance for Denied Claims 

Insurance companies are required to act in good faith; however, their actions often reveal the opposite. Denials are usually part of a systemic practice that prioritizes profits over people’s lives. 

Common reasons health insurers give for denying claims include: 

• Claiming a treatment isn’t covered by the policy 
• Labeling a procedure as “experimental” despite standard medical use 
• Asserting the therapy isn’t “medically necessary” 
• Citing clerical errors, missing paperwork, or technicalities 
• Denying coverage due to alleged pre-existing conditions 

Behind each denial is a person in need, a patient who may suffer or deteriorate without timely care. DL Law Group has successfully reversed numerous wrongful denials, compelling insurance companies to fulfill their legal and contractual obligations. 

Why Choose Our Medical Insurance Lawyers? 

Our firm is not only experienced, but we are also deeply informed about evolving legal protections, including federal and California state laws such as: 

• The Affordable Care Act (ACA) 
• The Mental Health Parity and Addiction Equity Act (MHPAEA) 
• California’s Knox-Keene Health Care Service Plan Act 
• ERISA and COBRA regulations 
• The California Department of Managed Health Care (DMHC) complaint processes 

We are among a select group of law firms nationwide with significant experience litigating health insurance denials related to mental health parity violations, when insurers unfairly limit mental health treatment compared to physical health benefits. 

Our attorneys know how to build powerful appeals and legal cases using medical documentation, expert opinions, and deep knowledge of insurance contracts and federal law. 

Rescission of Health Insurance: A Dangerous Practice 

Perhaps the most egregious tactic an insurance company can take is to rescind your policy, effectively canceling your coverage after you’ve filed a claim, based on a so-called misstatement or omission in your original application. This practice, often referred to as post-claims underwriting, leaves patients suddenly uninsured while they are in the midst of treatment. 

In California, most rescissions are illegal unless there is clear evidence of intentional fraud; however, that doesn’t stop insurers from attempting to do so. DL Law Group has successfully challenged these rescissions, reinstated coverage, and obtained compensation for the harm our clients have suffered. 

Trustworthy Health Insurance Lawyers Committed to You 

From the moment you reach out to us, our focus is on you and your health, your needs, and your future. We take the time to thoroughly understand your case and develop a tailored legal strategy designed to achieve results. You’ll never be treated like a file number or a case statistic because we know what’s at stake for you and your family. 

We represent clients in: 

• Health insurance benefit denials 
• Mental health treatment coverage issues 
• Cancer treatment denials 
• Residential treatment and rehab coverage disputes 
• Emergency care and surgical denials 
• Coverage rescissions and retroactive cancellations 
• Pre-authorization denials 
• Out-of-network provider disputes 

And more. Reach out today to discuss the specifics of your case. 

Ensuring You Receive the Best Treatment Possible 

Access to quality medical care is a right, not a privilege. No one should be forced to choose between their health and financial survival. That’s why DL Law Group works on a contingency fee basis: you don’t pay us unless we recover compensation for you. 

Our office is just steps from the courthouse and centrally situated to serve clients across the Bay Area and throughout California. 

Take the First Step Today 

If your health insurance claim has been denied or delayed, don't wait. Insurance companies are counting on you to give up, but you don’t have to fight alone. Let the health insurance law experts at DL Law Group advocate for you. 

Contact us at 415-678-5050 or complete our online form to schedule a complimentary, no-obligation consultation. We’ll review your case, explain your rights, and outline a path forward. We’re here to protect your health, your dignity, and your future.