Free Consultation: 205.383.1809

205.383.1809

Short-Term Insurance Policy Disputes Attorneys in Birmingham, AL

Short-term health insurance policies are limited benefit health insurance plans that are only written for a time period of one month to 364 days and typically cover a gap in coverage due to a job change or changes needed outside of an open enrollment period.

Short-term plans do not have to comply with the Affordable Care Act’s requirements and  therefore there are critical differences between these short term policies and standard group health insurance policies or ACA policies.  Some of those differences are as follows :

  • Pre-existing conditions exclusions can go back as far as five years
  • Pre-existing conditions can be very broadly defined, giving insurers much wiggle room when deciding to pay claims or deny them.
  • Can charge higher premiums
  • Can impose annual or lifetime limits
  • Can opt not to cover entire categories of benefits

Coverage Limitations and Denied Claims

Companies marketing these policies go out of their way to emphasize the broad coverage available and do not clearly explain the coverage limitations. Reports have surfaced of salesmen lying to purchasers about pre-existing conditions being covered. When a short-term health care insurer denies a claim that should be covered under a policy, the insured person will have a breach of contract claim against the company. The insured may also have a bad faith claim against the company.

Has Your Claim Been Denied Due to Pre-Existing Condition?

If your claim has been denied by your short-term insurance company, you need sound legal advice. At Johnstone Carroll, our attorneys have extensive experience with Short-Term Health Insurance Policies and want to help you get the claim coverage you deserve.

FREE Consultation With An Attorney

We offer you a free consultation to review your policy and any supporting documentation.  We will advise you based on your specific situation. Contact us directly at 205-383-1809 or fill out our online contact form.

Contact Us Today For A Short-Term Policy Dispute Consultation


  • Number of Americans Without Health Insurance Increases

    According to a recent survey, the number of Americans without health insurance has increased by 2.8 percent or about 7 million Americans. This decrease comes as the current administration attacks and tries to undermine Obamacare. While in many places Obamacare has not brought the relief that many people hoped it would, it has resulted in […] Read More


  • Court Says Routine Mammogram Is Not A Pre-Existing Condition

    Sometimes short-term health insurance companies claim that inconclusive diagnostic tests that occur before the date of the short term policy are pre-existing conditions. This illustrates how broadly these insurance companies will interpret the meaning of pre-existing condition. A recent Eleventh Circuit case (Jones v Golden Rule Insurance Company) illustrates this practice. Jones v Golden Rule […] Read More


  • Short-Term Insurance Plans Ruling Will Drive Up Costs and Lower Coverage Availability for the Sick

    Despite many major health care groups opposing the expansion of eligibility for short-term duration health insurance, federal regulators decided to go through with approving the regulation. Originally, these plans were only allowed to be used for up to three months, with no renewals possible. The new ruling has changed things so that people can have […] Read More