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"INCURRED" MEDICAL CHARGES PAYABLE UNDER "MED-PAY" TAKE INTO ACCOUNT DISCOUNTS PROVIDED BY THE HEALTH CARE PROVIDER TO THE INSURED
Published on: June 3, 2014
The Louisiana Supreme Court recently considered whether an automobile liability policy’s “med pay” coverage reimburses for the full, non-discounted amount of a hospital bill when the policy covers all “incurred” medical expenses. See, Hoffman, et. al v. Travelers Indem. Co. of Am.,2013-1575 (La. 5-7-14) -- So.3d --. The Court held that the insurer was only required to reimburse the discounted total because its insured was not obligated to pay the pre-discount costs and, therefore, never "incurred" a charge for the full amount.
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