HLS 14RS-5407 ORIGINAL
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Regular Session, 2014
HOUSE CONCURRENT RESOLUTI ON NO. 203
BY REPRESENTATIVES GREENE AND THIBAUT
INSURANCE/HEALTH: Requests Department of Insurance to study the issue of
coinsurance and deductibles assessed by health benefit plans
A CONCURRENT RESOLUTI ON1
To urge and request the Louisiana Department of Insurance to study the issue of the extent2
of coverage of Louisiana residents enrolled in individual or employer-sponsored3
health benefit plans, the proliferation of benefit plans containing high enrollee4
cost-sharing provisions, and the effects of those plans on enrollees and providers5
relative to the ability of enrollees to meet those obligations and the amounts that are6
left as unpaid, as well as the process and timing involved with patients and providers7
obtaining health benefit deductible accumulation and the timing of claims payment8
and deductible accumulation within health benefit plans.9
WHEREAS, many of the health benefit plans on the market today contain high-10
deductible provisions relative to enrollee responsibility; and11
WHEREAS, because of these provisions and potential lack of understanding these12
complex policy provisions, enrollees are faced with rising costs and healthcare providers are13
faced with rising amounts of uncollectible patient responsibility and growing administrative14
costs as a result of trying to collect these amounts; and15
WHEREAS, it is in the public interest for the Legislature of Louisiana to have a16
greater understanding of the health insurance market today, its effects on consumers and17
providers, and areas where administrative simplification opportunities may exist.18
THEREFORE, BE IT RESOLVED that the Legislature of Louisiana does hereby19
urge and request the Department of Insurance to conduct a study of the extent of coverage20
of Louisiana residents enrolled in individual or employer-sponsored health benefit plans, the21 HLS 14RS-5407 ORIGINAL
HCR NO. 203
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proliferation of health benefit plans containing high enrollee cost-sharing provisions, and the1
effects of those plans on enrollees and providers relative to the ability of enrollees to meet2
those obligations and the amounts that are left unpaid.3
BE IT FURTHER RESOLVED that the Legislature of Louisiana does hereby urge4
and request the Department of Insurance to include in such study the process and timing5
involved with patients and providers obtaining health benefit deductible accumulation and6
the timing of claims payment and deductible accumulation within health benefit plans.7
BE IT FURTHER RESOLVED that the Department of Insurance shall submit its8
findings from the study in the form of a report to the House Committee on Insurance and the9
Senate Committee on Insurance on or before January 15, 2015.10
BE IT FURTHER RESOLVED that a copy of this Resolution be transmitted to the11
commissioner of insurance, the Louisiana Association of Health Plans, the Louisiana12
Hospital Association, and the Louisiana State Medical Society.13
DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part
of the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute
part of the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
Greene HCR No. 203
Urges and requests the Department of Insurance (DOI) to conduct a study of the issue of the
extent of coverage of state residents enrolled in individual or employer-sponsored health
benefit plans, the proliferation of benefit plans containing high enrollee cost-sharing
provisions, and the effects of those plans on enrollees and providers relative to the ability
of enrollees to meet those obligations and the amounts that are left as unpaid, as well as the
process and timing involved with patients and providers obtaining health benefit deductible
accumulation and the timing of claims payment and deductible accumulation within health
benefit plans. Further requires DOI to report findings and recommendations to the legislative
committees on insurance on or before Jan. 1, 2015.