How do I file a claim against my insurance company?
FLAHIGA has taken over AvaHealth’s obligations to pay all valid policyholder claims incurred during the life of the policy, subject to statutory limits. Consumers should contact the Third Party Administrator (TPA) retained by FLAHIGA to report the notice of a law suit as soon as possible by calling (847) 803-9629.
Most, if not all, medical claims are eligible for coverage by FLAHIGA and should not result in the need to file a claim against the estate of AvaHealth. However, claims for losses not covered by FLAHIGA, claims which are limited due to FLAHIGA’s limits or caps, or other creditor claims, may become claims against the estate of AvaHealth and may be submitted to the Receiver by filing a proof of claim form. A proof of claim form can be found on the Receiver’s website, www.myfloridacfo.com/Receiver, under Proof of Claim Form General Information. The deadline for timely filing a proof of claim form is March 1, 2013.
What is the deadline for filing a claim?
All claims must be filed with the Receiver on or before 11:59:59 p.m. on March 1, 2013 (i.e., six months following the entry of the liquidation order). FLAHIGA will continue to assist in claims processing until all claims are processed and paid.
What happens if I fail to file the proof of claim form by the claim filing deadline? Can I still file a claim? Will it be considered late-filed?
Yes, you may still file a proof of claim after the claims filing deadline. However, any paper proof of claim form postmarked after the deadline will be processed as a “late-filed” claim. Late filed claims are given a lower claimant class priority.
If you believe that your proof of claim form should be considered timely-filed, you may submit a request to have the Receiver consider accepting your proof of claim form as timely-filed. With appropriate supporting documentation, Chapter 631, Florida Statutes, gives you the right to petition the Receivership court to accept your claim as filed timely.
Will the claim filing deadline be extended?
Can you verify receipt of my proof of claim?
If you decide to submit a paper proof of claim form you should send it by certified mail, return receipt requested, or overnight mail (FedEx, UPS, etc.) and save the delivery certification cards as proof of timely mailing. No confirmations of receipt of individual proof of claim forms will be mailed or confirmed through other means of communication.
When will my claim be paid and how much will I receive?
Claims covered by a guaranty association will continue to be paid in accordance with Florida Statutes. All other claims and the amount of claims not covered by a guaranty association, will be handled by the Receiver in the estate of AvaHealth. The amount of any potential payment is unknown until after the amount of all liabilities has been established and all reasonable efforts to recover and liquidate assets have been exhausted. Please be advised that it may take several years before a distribution of assets, if any, is made in this receivership, due to collection efforts and litigation. At this time, there are insufficient assets in the receivership estate to make a distribution or payment on your claim.
What if I don’t know the exact amount of my claim or don’t have all the documentation available at the time I submit my proof of claim?
In the amount claimed field on the proof of claim form, enter “$1.00” if you don’t know the exact amount of the claim. Be sure to put your claim identification number on the documentation so that it can be identified and matched to your proof of claim.
The paper proof of claim form has a box for indicating whether the claim is a secured claim. What does this mean?
"Secured claim" means any claim secured by mortgage, trust deed, pledge, deposit as security, escrow, or otherwise but does not include a special deposit claim, a claim against general assets, or a claim based on mere possession. In other words, if a claim is secured by some form of collateral, it is considered a secured claim.