Question 1. My insurance company is denying me benefits. What can I do?
You need to contact an attorney and provide them with a copy of your insurance policy to see if the insurance company denied you benefits due to an existing exclusion in the policy. If the benefits are not excluded then you may be able to file a lawsuit against the insurance company.

Question 2. My insurance coverage has been cancelled. What can I do?
If the insurance was cancelled for a valid reason, such as nonpayment of premiums and material misrepresentation, you probably have no legal recourse against the insurance company. If the insurance company cancelled your policy for no apparent reason, you may be able to file a complaint with the Department of Insurance, and you should contact an attorney immediately.

Question 3. My HMO refuses to authorize medical treatment that is medically necessary. What can I do?
There is an appeals procedure you must follow pursuant to your HMO policy. If the insurance company denies your request for an appeal you may have legal recourse against the company.

Also see Personal Injury and Medical & Insurance Disputes

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