Louisiana House Bill HCR203

Louisiana 2014 Regular Session

• Introduced: 5/27/14
• Engrossed: 5/30/14
• Refer: 6/1/14

Caption

Requests Department of Insurance to study the issue of coinsurance and deductibles assessed by health benefit plans

Impact

The resolution responds to growing concerns among Louisiana residents about the complexities and financial burdens associated with current health benefit plans. By requesting an in-depth study, the resolution emphasizes the necessity for a deeper understanding of how these plans impact both consumers, who may struggle to meet their out-of-pocket obligations, and healthcare providers, who often face increasing administrative expenses in attempting to collect unpaid patient responsibilities. The findings from this study are expected to inform legislative decisions that could optimize health benefit operations in Louisiana.

Summary

House Concurrent Resolution 203 (HCR203) urges the Louisiana Department of Insurance to conduct a comprehensive study regarding health benefit plans available to Louisiana residents. The focus of the study encompasses the extent of coverage provided by individual and employer-sponsored health benefit plans, particularly regarding high deductible and coinsurance provisions. Legislators aim to analyze how these cost-sharing mechanisms affect enrollees and healthcare providers, addressing the ongoing concerns about rising healthcare costs and the financial responsibilities placed upon patients.

Sentiment

The sentiment surrounding HCR203 appears largely supportive, reflecting a proactive approach by lawmakers to better understand the intersection of healthcare costs, insurance coverage, and patient financial obligations. The resolution has garnered unanimous support in the voting process, indicating a collaborative effort to address the challenges faced in the health insurance market. Stakeholders in the healthcare industry have also shown interest in the outcomes of this study, marking it as a significant step towards a more transparent and effective health insurance framework.

Contention

While HCR203 has received broad support, it also raises points for consideration regarding the balance between insurance provider interests and consumer protection. Key issues may arise concerning the administrative burdens that could be highlighted in the study, particularly in relation to how insurers and healthcare providers manage deductible accumulation and claims processing. The findings could potentially lead to discussions on implementing regulatory changes or improvements addressing the inconsistencies and communication gaps currently witnessed in the health insurance landscape across Louisiana.