Can I sue the insurance company or doctor’s office for denial of service to my infant?

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Can I sue the insurance company or doctor’s office for denial of service to my infant?

I have a new born who will be 3 months tomorrow. I sent necessary documents to my employer to have her added to my group insurance plan 1 month ago. My employer sent me confirmation that she was added to my insurance. She is now sick and is due to have her first shots. We are being denied service because the insurance company has not added her to the plan. We don’t qualify for any other program and are not able to get the necessary shots. The doctor’s office said they can do nothing without the insurance company approval. We cannot get the shots. Can we sue?

Asked on June 26, 2009 under Insurance Law, California

Answers:

L.M., Member, California Bar / FreeAdvice Contributing Attorney

Answered 14 years ago | Contributor

It sounds like there is just some misunderstanding or some lost paperwork.  Since your employer sent you confirmation that your baby was added to your insurance, it shouldn't be a problem to resolve.  Contact the person who deals with health insurance at your company and have that person get involved in fixing the matter.  If you have written confirmation, give that person a copy of it and have him or her contact the insurer and have your baby added retroactive to the date she was supposed to be added.  Then get your baby the shots.  Lawsuits are long and drawn out and you need your baby to get those shots asap!


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