How to get my home health care insurance company to settle what I believe is a legitimate claim or at least explain its denial?

As a policy holder, I believe that upon outlining my projected course of action I was entitled know if the expenses involved were covered by the policy. Instead, I had to actually incur the expenses and submit them to see what would happen. In a following submission, the personel involved apparently decided that the prior policy interpitation was incorrect and that a different one would be made on a retroactive basis. Moreover, my many attempts to engage in a meaningful dialogue or obtain an explanation, for the denial of what I believe to be a legitimate claim have failed. It is my belief that an impartial jury would conclude that after deducting the partial compensation already received, I am entitled to a refund of my premiums, and probably punitive damages as well. - Is this your question? Add additional information