Los Angeles and Orange County Disability Insurance and ERISA Claim Attorneys Fight UnitedHealthcare Claim Denials

At McKennon Law, we represent policyholders and insured individuals in disputes involving health insurance, medical treatment denials, and ERISA-governed employer-sponsored health plans. One of the most common insurers we litigate against is UnitedHealthcare, the largest health insurance carrier in the United States. We regularly assist clients whose valid claims for necessary medical treatment, prescription drugs, or surgical procedures have been denied, delayed, or underpaid by UnitedHealthcare. With decades of experience — including attorneys who once represented major insurers — we know how to challenge these denials and force insurers like UnitedHealthcare to comply with their legal obligations under state law and ERISA.

UnitedHealthcare, a subsidiary of UnitedHealth Group, provides coverage to millions of Americans through employer-sponsored, individual, and government-funded health plans. Despite its market dominance, UnitedHealthcare has developed a reputation for aggressively managing claims, often denying coverage for medical procedures based on medical necessity reviews, formulary restrictions, or alleged plan exclusions.

At McKennon Law, we are highly experienced in pushing back against these tactics — whether through internal appeals, Department of Managed Health Care (DMHC) complaints, or litigation. We have successfully overturned countless wrongful denials of coverage and recovered substantial sums for clients facing overwhelming medical bills or delayed treatment.

In non-ERISA, individual policy disputes, we have seen UnitedHealthcare engage in practices that amount to bad faith, such as denying treatment without sufficient review, failing to consider treating physicians’ recommendations, using medical necessity exclusions, experimental treatment exclusions or using cost-containment strategies to avoid covering expensive but necessary care. These actions can violate California’s duty of good faith and fair dealing and may entitle the insured to extra-contractual damages — including for emotional distress and, in appropriate cases, punitive damages. At McKennon Law, we aggressively pursue these claims when UnitedHealthcare acts unlawfully, ensuring that our clients receive not only the care they were denied but justice for the insurer’s misconduct.