What is a policy owner's recourse if a health insurance claim goes unpaid?

The correct option illustrates that a policy owner has the right to take legal action if a health insurance claim remains unpaid for an extended period, typically after all other avenues of resolution have been exhausted. This process often involves a waiting period during which the insurer can review and potentially resolve the claim. These legal steps might entail filing a lawsuit based on breach of contract or bad faith if the insurer unreasonably denies a claim that should be covered under the terms of the policy.

Taking legal action signifies a last resort for policy owners, indicating the seriousness of unpaid claims and the expectation that insurers adhere to the contractual obligations outlined in the health insurance policy. The law generally supports policyholders in seeking compensation for legitimately unpaid claims by allowing them to pursue their rights through the court system, making this a vital recourse for policyowners.

The other options, while possibly valid avenues, do not represent the same level of recourse as initiating legal action. Requesting a review of the billing is generally a preliminary step rather than a definitive recourse. Filing a complaint with the insurance board is more about regulatory oversight than contract enforcement. Contacting a viatical settlement provider pertains specifically to policyholders looking to sell their policy for cash rather than directly addressing an unpaid claim.