Finding a good health insurance quote can be difficult, especially if you’ve recently suffered an illness, had multiple treatments, or are simply predisposed to a condition. With a little work shopping around, most consumers are able to find a competitive quote that meets their needs while also providing the health insurance coverage they need. In rare situations, however, there can be clients who have no option but to seek legal advice when looking to set up a health care plan.

In recent years, many states have enacted legislation which prevents health insurance providers from refusing service to those with a history of illness, or because of a potential genetic defect or hereditary condition. Similarly, companies are prohibited from using race, sex, age, or a host of other factors to set premiums or deny coverage. However, this has not stopped certain companies from still requesting information that they are not entitled to use as a basis for coverage. While they cannot be prevented from asking for this information, and it will often be touted as “information gathering”, a refusal on the part of the client cannot be used to limit coverage.

Sadly, there are still cases where, despite their best efforts, shopping around multiple websites and calling any number of companies, a customer will be unable to obtain a fair and balanced health insurance quote due to information they have had to provide about their medical history. In rare cases such as this, it may be practical to engage the services of an attorney. While this is a last-resort option, there can be times in which it is the only one available to a prospective client. Legal action can be a costly process, and may not necessarily result in a reasonable quote. However, there can be situations in which a company that appears intent on charging an unreasonable amount for a premium or health care coverage package will back down if they know a lawyer is involved. Legal services can also be of benefit if the insurance company is demanding medical or treatment records they have no right to. Often, they will have very convincing double-speak about why this is necessary, and it can be best to have a lawyer look at any statements they are making, especially if they are in writing.

While utilizing a lawyer to find a reasonable health care quote is not the ideal situation, there are times when it may be the only way. Before going this route, however, make sure to have exhausted all comparative quote options first, as engaging the services of a lawyer will be expensive, and the process of convincing a health insurance provider to change their mind can be time-consuming.