Most Maryland residents who have medical insurance probably believe that every disease and injury is covered under their insurance plan. However, when faced with a medical emergency or condition that may test the limits and extents of a medical coverage plan, patients may end up paying extensive out-of-pocket expenses or deductibles, because there is no guarantee that every claim sent to an insurance company will be accepted.
If an insurance company does not accept and pay a claim, a person may be overburdened with unexpected medical expenses. Claims can be denied by an insurance company for a number of reasons, including if it is determined that a procedure was not required or if the outcome of the procedure lacked certainty. Claims can be denied due to treatment obtained out of the insurance company's network of providers, or it may be stated that an improper procedure was conducted.