As experienced birth defects attorneys, the Mininno Law Office has significant experience dealing with insurance companies. To you, it seems simple: your child has a medical issue (like a cleft palate), you have valid insurance for which you’ve paid your premium, and your child should receive medical care. As you may have unfortunately found out by now, it is not always this simple. A seemingly unwritten tool in many insurance companies’ belt is “gate keeping.” Ultimately, even if your claim has merit, the insurance company denies and delays treatment in the hopes that you become frustrated and go away. This is done in many ways, including excessive forms to fill out, waiting for confirmations, and outright denials. If you have dealt with insurance companies before, this frustration is probably no surprise.
Protecting Yourself From Gate Keeping
We’ve all heard the cliche “Knowledge is Power.” This is an absolute truth when it comes to fighting to get what you need from insurance companies.
First, you should make an effort to stay abreast with the relevant laws. This may seem difficult, as they change often, but being able to quote a law can be very helpful when talking with an insurance officer. Sometimes, representation by birth defects attorneys can be useful, but more often, a little research goes a long way.
Second, you should know your policy inside and out. Many times, the insurance representative is making an educated (and usually good natured) guess as to what the company will allow. If you know your policy, you can tell them exactly what you have paid for and what they should provide. It is inevitable to get rejected in some cases, but never accept a “No” without appealing. Carefully word your responses to indicate the medical necessity of the procedure.
Birth Defects Attorneys in New Jersey and Philadelphia?
There are many factors that influence whether you need the services of birth defects attorneys. In many cases, the cause of the birth defect is natural, and there is little birth defects attorneys can do for you. In other cases, there are external factors involved in the development of your child’s birth defect and the experienced birth defects attorneys of the Mininno Law Office can be of assistance. For example, the FDA just announced that the drug Topamax (Topiramate) has been linked to an increase in the development of cleft lip/palates.
If you believe that Topamax may have contributed to your child’s development of a cleft lip or palate contact the Mininno Law Office for a free case evaluation and consultation at 856-833-0600 in New Jersey, or 215-567-2380 in Philadelphia.