What is my recourse if my maternity benefits were misrepresented to me?
Question Details: I signed up for an insurance policy through my employer that states maternity benefits are covered under 100. Now the insurance is saying that just the pre-natal visits are covered delivery and labs are not covered under the 100 but are now subject to co-insurance and deductible. The plan details, in writing, does not make any reference to these extra charges. Furthermore, if my pregnancy is high risk, the 100 covered visits will not apply. Again, this is not specified in insurance documentation. Will I be able to sue and recover via contingency fee lawyers?
If the benefits were misrepresented to you, then yes, you could sue the insurer based on fraud (you'd sue the insurer since it is their disclosure materials, such as the written plan details, which misrepresented) and potentially recover compensation. But you are very unlikely to find any lawyer wiling to do this on contingency. You are most likely talking about a few thousand dollars in compensation: e.g. the value of the extra coverage you should have received, but did not. But most lawyers will not take contingency cases for less than several tens of thousands, or often over a hundred thousand, dollars of likely compensation. That is because with contingency cases, being paid is uncertain (winning a case is never guaranteed); and if you do get paid, it's typically not for many months or even a few years. Since on a contingency case, the lawyer invests work now--time he can't spend on other clients--in exchange for usually 25% - 35% of the recovery, few lawyers can afford to invest their time for a chance of getting a quarter or a third of a few thousand dollars a year or more later.