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Thanks. Basis of suit: failure of insurance company to pay my Illinois chiropractor's billings for services rendered to me in Illinois. They claim a "Licensed chiropractor" reviewed copies of his records and determined that none of the care was "medically necessary". However, they refuse to provide my provider with a copy of this alleged "Licensed chiropractor's" written report to refute/answer. Assurant Health claims that under Wisconsin Insurance Law they do not have to provide that information.
Coverage denied was for chiropractic care covered under this policy.
As a side note, they paid a similar claim a year or two ago.
Assurant Health in their denial material provides a process by which to appeal. However, in the past I have found this to be similar to a "kangaroo court". Besides, services were rendered in Illinois by an Illinois provider. Since Time/Assurant is licensed to do business in Illinois, one would think that this matter would be properly subject to Illinois Insurance Law-- not Wisconsin.
Thank you Joseph.