If Jonathan does not receive a timely response from his insurance company regarding a medical bill, which action can he take?

If Jonathan does not receive a timely response from his insurance company regarding a medical bill, he can take the action of submitting proof of loss in any form. This is a proactive step that can help expedite the claims process, especially if there has been a delay in the insurance company's response. By providing proof of loss, such as medical records, bills, or other relevant documentation, Jonathan demonstrates his diligence and can remind the insurance company of their obligation to process the claim.

This action is essential in cases where communication has fallen through or where the insurer has not promptly acknowledged the claim. It provides the insurer with the necessary information to evaluate the claim and make a decision, thus moving the process forward.

In contrast, waiting for the proper claim form to arrive would prolong the situation and potentially delay the processing of the medical bill. Demanding a full refund of premiums is not appropriate unless the policy has been canceled or there are legitimate grounds under which premiums can be refunded. Reporting the delay to the insurance commissioner's office is generally a more formal route taken when there are ongoing issues with an insurer, but it does not directly contribute to resolving the immediate concern of a delayed claim response.