What is likely to happen if a claimant has not received a response from their health insurer regarding a claim after 30 days?

If a claimant has not received a response from their health insurer regarding a claim after 30 days, the advisable course of action typically involves waiting for further response. Insurers often have specific time frames in which they are required to respond to claims. In many cases, especially if the initial claim is complex or requires additional information, it is common for the insurer to need more time to process the claim thoroughly.

Patience allows the insurer to complete their review process, which could still be pending. An attorney may recognize that filing legal action or escalating the situation prematurely could be unnecessary at this stage, especially when the insurer might still be within their legal timeline to respond.

While the other potential actions might be considered in specific circumstances, the first reaction is generally to give the insurer a chance to provide the necessary response. This approach aligns with the claims process, where patience is often encouraged in the initial stages of claim handling.