The horrific experience of La Rosa Carrington recently made national headlines.  Ms. Carrington’s health insurance carrier threatened to cut off her health insurance coverage while she was going through chemotherapy for leukemia. The reason was not that Ms. Carrington had not paid her health insurance premiums; she had in fact paid, but her insurance carrier had erroneously determined that her payment was 1 cent short.  Fortunately for Ms. Carrington, her insurance carrier ultimately found that she had paid the correct amount and stopped their threats to end her coverage.  But what if they hadn’t sufficiently investigated and had actually ended her coverage?  What if Ms. Carrington was left to try to find new insurance coverage while seriously ill and receiving expensive treatment? The result could have been a bad faith insurance lawsuit. (more…)