(Please note: the names and locations of all parties have been changed to protect the confidentiality of the participants in this automobile accident/insurance coverage case and its proceedings.)
14. Plaintiff Bob Lawrence sustained disabling injuries in an automobile accident on March 19, 2001.
15. On June 5, 2001, Blue Shield mailed plaintiffs a letter informing them their coverage was cancelled retroactively to December 15, 2000.
16. Before rescinding the contract, Blue Shield had authorized surgery, treatment, care and physical therapy for plaintiff Bob Lawrence’s injuries in an amount in excess of $457,000.00.
17. After rescinding the contract, Blue Shield paid for only a small portion of the surgery, treatment, care and physical therapy it had previously authorized for Bob Lawrence.
18. After the rescission the Lawrences were unable to pay the medical bills they had incurred or obtain the surgery, treatment, care and physical therapy which plaintiff Bob Lawrence required because they lacked the money to do so.
19. On December 15, 2000, and thereafter, plaintiffs could have obtained coverage under the health plan offered by plaintiff Sally Lawrence’s new employer had they been denied coverage under the Blue Shield plan.
20. The medical costs of Bob Lawrence’s accident would have been covered under the health plan offered by Sally Lawrence’s new employer if they had obtained that insurance before the accident.
21. After Blue Shield’s rescission, the Lawrences could not obtain new coverage for the injuries Bob Lawrence sustained in the automobile accident until such time as the preexisting conditions exclusionary period in the new policy expired.
22. As a result of Blue Shield’s rescission, plaintiff Bob Lawrence was denied physical therapy, surgery, nursing care and treatment when it was needed, thereby causing him great injury. (See Part 5 of 11.)
For more information you are welcome to contact Sacramento personal injury lawyer, Moseley Collins.