1 THE COLLATERAL SOURCE RULE & WRITE-OFFS: What is the True Value of Medical Services? Malinda S. Matlock Pierce Couch Hendrickson Baysinger & Green Consider a personal injury case in which an injured claimant requires medical treatment for which she is billed $189, Because the claimant has private medical insurance, the hospital accepts $39, in satisfaction of the bill. When the individual sues for reimbursement of the medical bills, how much can she recover for the cost of her injuries? Is it the $189, she was billed? Or is it the $39, the hospital accepted as full payment for the treatment? A healthcare provider often accepts a lesser amount in satisfaction of the bill pursuant to a contractual agreement between the healthcare and insurance providers, Medicare, or Medicaid. The amount beyond what is accepted in full satisfaction of the bill is considered a write-off. In determining the amount of damages to be presented as evidence in trial to a jury, judges are often left to decide whether to admit as evidence the higher, billed amount, or the lesser amount actually paid as the cost of services rendered. This was the precise issue addressed in a 2011 case from the California Supreme Court, Howell v. Hamilton Meats & Provisions, Inc. 1 After a very thorough examination of the issue, the court ultimately found the injured individual could only be compensated up to the amount of services for which she had actually paid. THE COLLATERAL SOURCE RULE The Collateral Source Rule ( CSR ) precludes the admission of evidence that a source external to the injured plaintiff paid for some or all of the damages the plaintiff seeks to recover. The issue when applying this rule to medical services paid by insurance companies or governmental health plans, is whether the amount written-off by healthcare providers is considered a collateral payment to which the Collateral Source Rule applies. APPROACHES State courts are utilizing two major approaches and a variety of hybrids to address this issue. 1. Accept evidence of Billed amounts only Many states follow the CSR in its traditional form, permitting only evidence of the higher billed amount during a trial. The jury is not informed that the payment came from a collateral source, nor that the collateral source actually paid less than the billed amount. If she wins, the plaintiff may recover up to the higher billed amount of her medical treatment. States that follow the Collateral Source Rule in its most traditional form do so first and foremost based on the premise that the defendant tortfeasor should not benefit from the plaintiff s method of payment or the fact that the Plaintiff has private insurance. Without the collateral source, plaintiff would have paid the full billed amount. The amount a defendant tortfeasor must pay as a result of his harmful conduct should not be different depending on whether the victim is insured. Unless the insured plaintiff is permitted to recover the full cost of the services, the defendant tortfeasor does not pay the full cost of his negligence. Whether the court allows in the billed amount and plaintiff benefits from the write-off, or allows in the paid amount only so the defendant benefits from the write-off, only one party gets to benefit. In either scenario someone receives the benefit of the write-off; state that deem write offs as collateral source say that the windfall should go to the party that was wronged, not the tortfeasor. Opponents of this position argue that prohibiting evidence of the reduced amount would create a windfall to the plaintiff because she was never responsible for the full amount (by way of the collateral source). 2 She should not be allowed to benefit from a non-existent debt. States that permit evidence of the billed amount, thus allowing for recovery up to the billed amount include: CO, GA, HI, KY, MS, MO, NV, NH, NM, NC, SC, SD, VT, VI, WA, WV, WI, WY, and DC.
2 2. Accept evidence of paid amounts only Many states have abrogated the traditional Collateral Source Rule and permit only evidence of the lower, actually paid amount during a trial while still prohibiting evidence that the payment came from a collateral source. The jury is neither informed that the healthcare provider billed a higher amount nor that a lower payment was accepted in satisfaction of a higher bill. The plaintiff may recover up to the amount actually paid for her medical treatment. This position rests on two basic premises: 1) The write-off is not admissible as the plaintiff s damages because it was paid by no one and can be recovered by no one. To be recoverable as expenses, monies must generally have been expended. The CSR cannot be applied to monies never paid, thus it cannot extend so far as to allow the plaintiff to recover sums no one ever paid (neither plaintiff nor the collateral source). Plaintiff should only be able to recover that amount expended on medical services, it would violate the spirit of traditional tort law to award her beyond that which she was actually required to pay. If damages are defined as the amount which will compensate for all the detriment proximately caused by the tortfeasor, to borrow from California Civil Code, the amount the healthcare provider accepts in satisfaction of the bill is that which has compensated for the detriment caused and thus is the proper amount of damages awarded. The amount the plaintiff actually pays for the medical treatment is the plaintiff s economic loss. This is the amount the services cost plaintiff and not an arbitrary bill that the healthcare provider never actually expects to be paid. The [v]alue of damages the plaintiff avoided has never been the measure of tort recovery. 3 2) Defendant tortfeasor should only be liable for the market-value of services rendered. The market-value of services isn t the amount billed but the amount actually accepted by the healthcare provider because providers often overcharge and do not bill the actual amount in order to compensate for the uninsured. Hospitals have been known to charge $15 for an aspirin, which is hardly market-value. The discounted amount is a result of negotiations for the healthcare provider s business and commercial interest, and not intended as a benefit to an individual plaintiff, but rather as a benefit to the entire PPO membership for a variety of services. The amount the provider accepts for its services seems to be an implicit statement of value. States that only permit evidence of the paid amount in every scenario, thus allowing for recovery only up to the paid amount include: AR, CA, OK, and TX. 4 A HYBRID APPROACH In light of all these considerations, many states have chosen to create a hybrid of the two approaches. As the healthcare system stands today, the only customers paying the full bill are uninsured, self-paying private citizens. Before managed care, hospitals billed insured and uninsured patients similarly. In 1960, there were no discounts; everyone paid the same rates usually cost plus ten percent. But as some insurers demanded deep discounting, hospitals vigorously shifted costs to patients with less clout. 5 Many hospitals have a charge scale where the amount billed a patient is determined by the patient s income, poverty level, or whether they are receiving governmental healthcare assistance. The price of a procedure may even vary from hospital to hospital for the same individual. Because hospitals charge different rates to different customers for even the same services, an argument can be made that the true value of services is neither the amount charged nor the amount accepted, but somewhere in between. For this reason and in light of all the reasons given above, a majority of states choose to combine the best aspects of each view and create a more balanced system. While states balance these competing interests in a variety of ways, there are three main hybrid approaches. Because plausible arguments can be made that both amounts are the cost of services (or conversely, neither is), some states permit evidence of both the full billed amount and the reduced paid amount to permit the finder of fact to decide. Some states also permit evidence of premiums paid to secure the write-off benefit, or evidence that the Collateral Source has subrogation claim rights. AL, IN, IA, KS, OH, PA, RI, and TN. A large number of states permit only evidence of the billed amount during trial, but reduce the award once the verdict is returned. Some courts do so automatically and others simply allow for a motion for where the judge decides. This approach balances the need for 1 Howell v. Hamilton Meats & Provisions, Inc. 52 Cal.4th 541, 257 P.3d 1130 (2011). 2 Hanif v. Hous. Auth., 200 Cal. App. 3d 635, 246 Cal. Rptr. 192 (Ct. App. 1988). 3 Hamilton Meats, 52 Cal.4th at 564, 257 P.3d at O.S (2011) for cases filed after Nov. 1, Mark A. Hall & Carl Schneider, Patients As Consumers: Courts, Contracts, and the New Medical Marketplace, 106 Mich. L.Rev. 643, 663 (2008). the Collateral Source Rule with the recognition that the amount of the full bill is likely higher than market value. (billed amount + ) AK, CT, FL, ID, IL, ME, MD, MA, MI, MN, MT, NE, NJ, NY, ND, OR, and UT. A number of other states have an entirely separate rule for dealing with plaintiffs whose collateral sources are public, such as Medicare or Medicaid. Because these programs are funded by the taxpayer, they are not wholly collateral to the defendant, which makes their payments not subject to the CSR. Additionally, plaintiffs pay little if anything to receive the benefits accrued from Medicare or Medicaid. (billed amount + ) AZ, KS, DE, LA, MI, MT, NE, and RI. CONCLUSION Knowing what approach your jurisdiction has adopted can make a significant difference in evaluating exposure for trial or in accurately advising your client of settlement value. If a Plaintiff has the luxury of presenting a minimum of $189,000 in medical bills in a case where $39,000 was accepted by the provider as full payment, why would she ever take less than $189,000 in settlement? In venues where there is uncertainty or a lack of consistency applied among judges, an early inquiry or motion in limine should be attempted to gain clarity in advance of settlement negotiations and trial. It pays to be aware of what your jurisdiction does. This article could not be written without the assistance and input of Bonnie Blumert, Law Clerk at Pierce Couch Hendrickson Baysinger & Green. Ms. Matlock is a partner/ owner at Pierce Couch Hendrickson Baysinger & Green in Oklahoma City/ Tulsa, OK. Her practice includes all aspects of personal injury defense, professional liability, employment practices liability, sexual torts, construction litigation, and medical regulatory issues. She currently serves as President of the Oklahoma Association of Defense Counsel and is a member of the Bench & Bar Committee of the Oklahoma Bar Association. Within USLAW, Malinda is Chair of the Women s Collection, serves as Secretary of the Professional Liability practice group and has been a presenter at several conferences. She can be reached at or
3 50- SURVEY COLLATERAL SOURCE RULE & WRITE-OFFS BLUE S: PAID EVIDENCE ONLY RED S: BILLED EVIDENCE ONLY PURPLE S: HYBRID APPROACH ALABAMA Billed Billed, paid Billed Billed, paid ALASKA Billed + Billed Billed + Billed (implied) ARIZONA Billed MedMal: Billed MedMal: Billed, paid, Billed, paid, ARKANSAS Paid Paid Paid Paid CALIFORNIA Paid Paid Paid Paid COLORADO Billed Billed Billed Billed Ala. Code , : essentially circumventing the need for a billed v paid distinction. also admissible: Plaintiff s obligation to repay Collateral Source Alaska Stat , Alaska Stat : limits damages to amounts exceeding that already paid by a collateral source in MedMal cases (except for CS in the form of death benefits and fed programs where subrogation is required by law). Reid v. Williams, 964 P.2d 453, 456 (Alaska 1998). Jones v. Bowie Industries, Inc., 282 P.3d 316 (Alaska 2012). Lopez v. Safeway Stores, Inc., 129 P.3d 487, 496 (Ariz. 2006). A write-off is considered a collateral source. Ark. Code (b). Insurance: Howell v. Hamilton Meats & Provisions, Inc., 52 Cal. 4th 541, 550, 257 P.3d 1130, 1134 (2011), reh g denied (Nov. 2, 2011). Medicare/caid: Hanif v. Hous. Auth., 200 Cal. App. 3d 635, 639, 246 Cal. Rptr. 192, 194 (Ct. App. 1988). Colo. Rev. Stat (2008) allows a of the verdict by the amount paid by the CS EXCEPT where the payments arose from contractual obligations intended to benefit the injured party. Barnett v. American Family Mut. Ins. Co., 843 P.2d 1302, 1309 (Colo. 1993). Crossgrove v. Wal-Mart Stores, Inc., 280 P.3d 29 (Colo. Ct. App. 2010) aff d, 2012 CO 31, 276 P.3d 562 (Colo. 2012). CONNECTICUT Billed + Billed Billed + Billed DELAWARE Billed Billed MedMal: Post- Billed verdict FLORIDA Billed + Billed Billed Billed GEORGIA Billed Billed Billed Billed HAWAII Billed Billed Billed Billed IDAHO Billed + Billed Billed + Billed ILLINOIS MedMal: Billed + Billed MedMal: Billed + Billed INDIANA Billed Billed & Billed Billed & paid paid Hernandez v. Marquez, , 2004 WL (Conn. Super. Ct. Jan. 5, 2004). Conn. Gen. Stat. Ann (West) recovery is reduced by the total amount of collateral sources paid minus for the benefit. Mitchell v. Haldar 883 A.2d 32 (Del. 2005). Del. Code Ann. tit Under Fla. Stat (1) (2008): the write-off is a collateral source. REDUCTION: by the amount contributed by the CS less the cost of consideration for that benefit. Note: no for Medicare/Medicaid/Workers Comp/gov programs because the Federal government has a right to subrogation claims. Ga. Code Ann., CSR is applicable in tort cases, but not applicable in breach of contract cases: Amalgamated Transit Union Local 1324 v. Roberts, 263 Ga. 405, 434 S.E.2d 450 (1993). Olariu v. Marrero, 549 S.E.2d 121 (Ga. 2001) A write-off is a collateral source (adhering to the traditional CSR). Traditional CSR: Bynum v. Magno, 101 P.3d 1149 (Hawaii 2004). Idaho Code Ann (2008). Dyet v. McKinley, 81 P.3d 1236 (Idaho 2003). Wilson v. Hoffman Group, Inc., 546 N.E.2d 524, (Ill. 1989). reasonable value of medical services is the amount billed the provider. MedMal cases: 735 Ill. Comp. Stat. 5/ (2008). Reduction 50% of the benefits provided for lost wages by private or governmental disability programs, 100% of the benefits provided for medical/hospital/nursing or caretaking charges (BUT NOT for benefits where there is a right of subrogation, or where the would exceed 50% of the award). Done by Application for Reduction w/in 30 days of the judgment Shirley v. Russell, 663 N.E.2d 532 (Ind. 1996); Stanley v. Walker, 906 N.E.2d 852 (Ind. 2009); Ind. Code (2008). The CSR does not bar evidence that a lesser amount was accepted by a medical provider, but evidence that payment came from a third-party is INADMISSIBLE. The CSR does NOT apply to write-offs because they are not payments. Inadmissible evidence for Personal Injury/Wrongful death actions: payments of life insurance or death benefits, insurance benefits for which plaintiff or his family paid for directly, and payments made by the state/us or its agencies.
4 IOWA Billed Billed, paid Billed Billed, paid KANSAS Billed Billed & paid Billed Billed & paid KENTUCKY Billed Billed Billed Billed LOUISIANA Billed Billed Medicaid: paid, Medicaid: paid, Medicare: Medicare: billed billed MAINE MedMal: post- Billed MedMal: Billed verdict s for Medicare/caid if coll. Source and Soc. Sec. if Def doesn t subrogate makes Pf whole for any w/in 30 days subrogation claims MARYLAND MedMal: Billed + Billed + MedMal: Billed + Billed + evidence of evidence of motion reasonableness motion reasonableness MASSACHUSETTS MedMal: Billed MedMal: Billed mandatory post- mandatory postverdict verdict MICHIGAN Billed + Mandatory Billed Medicaid: billed Billed Medicare: billed + less MINNESOTA Billed + Billed Billed + Billed MISSISSIPPI Billed Billed Billed Billed MISSOURI Billed Billed Billed Billed MONTANA Personal Injury: post- Billed Billed Billed, but not verdict yet specifically addressed NEBRASKA Billed + Billed Billed Billed NEVADA Billed Billed (but worker s Billed Billed comp benefits may be admissible) NEW HAMPSHIRE Billed Billed Billed Billed NEW JERSEY Billed + post- Billed Billed Billed verdict NEW MEXICO Billed Billed Billed Billed Plaintiff is entitled to reasonable value of services and can show this through billed and paid amounts, and expert witness testimony as to reasonableness. Pexa v. Auto Owners Ins. Co., 686 N.W.2d 150 (Iowa 2004) Iowa Code Iowa Code : MED MAL Cases prohibits an award that includes any losses replaced or indemnified by insurance or gov/employment benefit programs. Follows common law CSR: Rst. 2d Torts 920A(2). State statute ruled unconstitutional ( ) Martinez v. Milburn Enterprises, Inc., 290 Kan. 572, 233 P.3d 205 (2010). The source of the CS payment is inadmissible, but the billed & paid amounts may be used to establish reasonableness of medical services because the Write-off is not a CS. Baptist Healthcare Sys., Inc. v. Miller, 177 S.W.3d 676 (Ky. 2005). (no mention of write-offs specifically). Griffin v. Louisiana Sheriff s Auto Risk Ass n, 802 So. 2d 691 (La.App. 1 Cir. 2001) writ denied, 801 So. 2d 376 (La.App. 1 Cir. 2001). Medicaid/care: because Medicaid is free for its recipients, they cannot recover the write-off, but Medicare recipients can recover it since they pay consideration for it. Bozeman v. State, 879 So.2d 692 (La. 2004). Professional negligence case: by the amount paid by a CS if the source has NOT exercised its subrogation rights w/in 30 days after notice of the verdict. Reductions are taken for Medicare/Medicaid, Social Security (provided that the Def. makes the plaintiff whole for any related subrogation claims.) Me. Rev. Stat. Ann. tit. 24, 2906(2) (2008). Barday v. Donnelly, CV , 2006 WL (Me. Super. Jan. 27, 2006). Evidence of CS payments admissible to show malingering or an exaggeration of an injury, if alleged. Plaintiffs are entitled to the reasonable value of medical services, and the court hasn t said which amount that is, but it has said that neither amount properly establishes the value. The plaintiff must offer some evidence that the amount charged was fair and reasonable. See, e.g., Simco Sales Service v. Schweigman, 205 A.2d 245, 249 (Md. 1964) (plaintiff satisfied burden where hospital s director of admissions and accounts testified that the hospital charges were fair and reasonable and were the customary charges made by the hospital for such services). Md. Code Ann., Cts. & Jud. Proc (e)(1) (West 2008). (Damages claims under $25,000 do not need supporting evidence of reasonableness.) Brethren Mut. Ins. Co. v. Suchoza, 212 Md. App. 43, 66 A.3d 1073, 1076 (2013) Healthcare liability claims: mandatory by the amount paid by a CS, off-set by amount of premiums/consideration paid. Mass. Gen. Laws ch. 231, 60G(a) (2008). Medicaid Write-offs ARE payments. and are not a proper element of damages in a malpractice action. Sylvestre v. Martin, SUCV , 2008 WL (Mass. Super. Jan. 4, 2008). Mich. Comp. Laws (2008). Medicaid payments are not a collateral source. See Shinholster v. Annapolis Hosp., 660 N.W.2d 361, (Mich App. 2003), aff d in part rev d in part 671 N.W.2d 539 (Mich 2004). A write-off has not been paid, nor is it payable, such that it is not a collateral source. Detary v. Advantage Health Physicians, PC, , 2012 WL (Mich. Ct. App. Nov. 29, 2012) appeal denied, 493 Mich. 970, 829 N.W.2d 862 (2013). Swanson v. Brewster, 784 N.W.2d 264 Write-offs are collateral sources and must be deducted by trial court from a jury award. Minn. Stat. Ann (West). CSR still applies, but amount paid by CS is reduced from verdict. Medicare/caid: Robinson Property Group, L.P. v. Mitchell, 7 So.3d 240 (Miss. 2009). Wal-Mart Stores, Inc. v. Frierson, 818 So. 2d 1135, 1139 (Miss. 2002). (paid amount admissible for impeachment purposes only) Washington by Washington v. Barnes Hosp., 897 S.W.2d 611, 619 (Mo. 1995), Smith v. Shaw, 159 S.W.3d 830, 832 (Mo. 2005). CS payments admissible when plaintiff makes financial condition an issue. Mont. Code Ann , when award >$50,000 and Plaintiff is fully compensated for damages, recovery is reduced by CS payments that are not subject to subrogation (less premiums Plaintiff paid for 5 previous years). Fretts v. GT Advanced Technologies Corp., CV M-CWM, 2013 WL (D. Mont. Mar. 5, 2013). Medicare/caid remains unaddressed. Elliott v. Goulet, 2012 WL (Mont.Dist.) (Trial Order). Neb. Rev. Stat (2008), bodily injury or wrongful death cases: evidence of medical reimbursement insurance is inadmissible. by amt of nonrefundable medical reimbursement insurance minus premiums paid. Medicare/caid payments: excluded from the statute and covered by traditional CSR. Write-offs are collateral sources. Tri County Equip. & Leasing v. Klinke, 286 P.3d 593 (Nev.2012) (Gibbons, J. concurring). Alexander v. Wal-Mart Stores, Inc., 2:11-CV-752 JCM PAL, 2013 WL (D. Nev. Feb. 1, 2013). Carson v. Maurer, 424 A.2d 825 (N.H. 1980), overruled by Community Resources for Justice, Inc. v. City of Manchester, 154 N.H. 748 (2007) on other grounds. N.J. Stat 2A: Verdict reduced by amount of CS payment (other than workers comp and life insurance) less. Perreira v. Rediger, 778 A.2d 429 (N.J. 2001). Cockerline v. Menendez, 411 N.J. Super. 596, 988 A.2d 575, (App. Div. 2010). Summit Properties, Inc. v. Pub. Serv. Co. of New Mexico, 2005-NMCA-090, 138 N.M. 208, 118 P.3d 716.
5 NEW YORK Billed + Billed Billed + Billed NORTH CAROLINA Billed Billed Billed Billed NORTH DAKOTA Billed + post- Billed Billed + post- Billed verdict verdict OHIO Billed Billed & paid (if Billed Billed & paid (if no subrogation no subrogation right) + right) + OKLAHOMA Paid Paid Paid Paid OREGON Billed + post- Billed Billed + post- Billed verdict verdict MOTION MOTION PENNSYLVANIA MedMal: paid, MedMal: paid, MedMal: paid, MedMal: paid, RHODE ISLAND MedMal: Billed MedMal: Billed Billed Billed & paid SOUTH CAROLINA Billed Billed Billed Billed SOUTH DAKOTA Billed Billed Billed Billed TENNESSEE MedMal: paid MedMal: paid MedMal: paid MedMal: paid TEXAS Paid Paid Paid Paid UTAH MedMal: Billed + post- Evidence to MedMal: Billed + post- Evidence to verdict establish verdict establish for unsobrogated reasonableness for unsobrogated reasonableness moneys moneys VERMONT Billed Billed Billed Billed VIRGINIA Billed Billed Billed Billed PAID in PAID in federal court federal court WASHINGTON Billed Billed Billed Billed WEST VIRGINIA Billed Billed Billed Billed WISCONSIN Billed Billed Billed Billed WYOMING Billed Billed Billed Billed WASHINGTON D.C. Billed Billed Billed Billed N.Y. C.P.L.R. LAW 4545 (McKinney 2008). 4545(a): MedMal: evidence admissible of indemnification from a CS, verdict reduced accordingly (minus amount of for past 2 years). 4545(b): actions against a public employer for PI/wrongful death evidence admissible of CS payment, but not CSes that are entitled to liens against recovery, to reduce verdict accordingly (minus premiums). 4545(c): PI/ injury to property/wrongful death evidence admissible of CS payment, but not CSes that are entitled to liens against recovery, to reduce verdict accordingly (minus 2 yrs of premiums + amt of maintaining such benefits). 4545(d): charitable contributions are not considered collateral sources, inadmissible to reduce award Fallis v. Watauga Med. Ctr., Inc., 132 N.C. App. 43, 510 S.E.2d 199 (1999). Young v. Baltimore & O. R. Co., 266 N.C. 458, 463, 146 S.E.2d 441, 444 (1966). N.D. Cent. Code Ann (West). Ohio Rev. Code Ann (West 2008). Robinson v. Bates, 112 Ohio St. 3d 17, 857 N.E.2d 1195 (2006). 12 O.S (2011). Cases filed pre-nov 1., 2011: no precedent, Brown v. USA Truck, Inc., 2013 WL (W.D. Okla. 2013). Write-offs are collateral source payments. Or. Rev. Stat. Ann (West). White v. Jubitz Corp., 219 Or. App. 62, 182 P.3d 215 (2008) aff d, 347 Or. 212, 219 P.3d 566 (2009). Cohens v. McGee, 219 Or. App. 78, 180 P.3d 1240, 1241 (2008). Nigra v. Walsh, 2002 PA Super 113, 797 A.2d 353 (2002). CSR does not apply to Write-Offs in MedMal: Moorhead v. Crozer Chester Medical Center, 564 Pa. 156, 765 A.2d 786 (2001) (abrogated on other grounds). 40 P.S : Subrogation right eliminated in certain instances. Trial courts split. Some have found R.I. Gen. Laws Ann (West) unconstitutional. Maguire v. Licht, C.A. PC , 2001 WL (R.I. Super. Aug. 16, 2001); Esposito v. O Hair, 886 A.2d 1197 (R.I. 2005). Medicare/caid: Jacqueline G. Kelley, Esq., Stephen P. Sheehan, Esq., Collateral Source Rule Applies to Medicaid Without Exception for Medical Malpractice Cases, R.I. B.J., November/ December 2006, at 17. In trial, jury instructed to reduce award by any sum equal to the difference between what plaintiff contributed and what it received from collateral source (if CS evidence is introduced). Covington v. George, 597 S.E.2d 142, 144 (S.C. 2004). Cruz v. Goth, 2009 S.D. 19, 763 N.W.2d 810. Papke v. Harbert, 2007 S.D. 87, 738 N.W.2d 510, 530. Evidence of Write-offs is not permissable: Plaintiff is entitled to recover the reasonable value of medical services which is a question for the jury. Ruling that either amount is the reasonable value makes the other value inherently unreasonable. SDCL , MedMal exception: evidence that special damages were paid for or are payable by insurance (not subject to subrogation or that was purchased privately) or state/fed gov t programs (not subject to subrogation). Tenn. Code Ann (2008). A Plaintiff may recover unsubrogated moneys. Cassie Nalawagan v. Hai v. Dang, No STA dkv, 2010 WL , at *2 *3 (W.D.Tenn. Oct.27, 2010). Calaway ex rel. Calaway v. Schucker, 2:02-CV STA, 2013 WL (W.D. Tenn. Mar. 12, 2013). Tex. Civ. Prac. & Rem. Code Ann (West). Haygood v. De Escabedo, 356 S.W.3d 390 (Tex. 2011), reh g denied (Jan. 27, 2012). Requested damages need only be reasonable and necessary. Gorostieta v. Parkinson, 17 P.3d 1110 (Utah 2000); Hansen v. Mountain Fuel Supply Co., 858 P.2d 970, 981 (Utah 1993). Utah Code Ann. 78B (West). What evidence is admissible to establish reasonable and necessary has yet to be determined, but a district court held in 2012 that only the billed amount is permitted. Sanchez v. Cache Valley Specialty Hosp., LLC, 2012 WL (Utah Dist. Ct.) (Trial Order). Windsor School Dist. v. State, 956 A.2d 528 (Vt. 2008). Acuar v. Letourneau, 531 S.E.2d 316, 320 (Va. 2000); Va. Code Ann (2008). Write-offs are akin to payments. FEDERAL COURT: The collateral source rule does not apply to the illusory charge of $96, since that amount was not paid by any collateral source. See McAmis v. Wallace, 980 F. Supp. 181 (W.D. Va. 1997). Diaz v. State, 175 Wash. 2d 457, 285 P.3d 873 (2012) preempting RCWA (2006). Keesee v. General Refuse, Inc., 604 S.E.2d 449, 452 (W.Va. 2004). Case law does not indicate that the court has evaluated the specific issue of writeoffs and their implication under the CSR. State Farm Mut. Auto. Ins. Co. v. Schatken, 230 W. Va. 201, 737 S.E.2d 229, 237 (2012). Leitinger v. DBart, Inc., 736 N.W.2d 1 (Wis. 2007). Garnick v. Teton County School Dist. No. 1, 39 P.3d 1034, 1041 (Wyo. 2002). Hardi v. Mezzanotte, 818 A.2d 974, 984 (D.C. 2003); Calva-Cerqueira v. United States, 281 F.Supp.2d 279, 295 (D.D.C. 2003) dismissed, , 2004 WL (D.C. Cir. Dec. 16, 2004).
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Model Regulation Service - January 1993 These Guidelines have been prepared for use by state insurance department personnel who may be presented with questions or concerns regarding charitable gifts of
United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors
Video Voyeurism Laws Federal Law Video Voyeurism Prevention Act of 2004, 18 U.S.C.A. 1801. Jurisdiction limited to maritime and territorial jurisdiction, or federal property including but not limited to
Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of April 1, 2014 As part of the Affordable Care Act s goal to reduce the number of uninsured, it makes
United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors
Creditor protection Laws for LI and Annuities Provided by Duggan & Bertsch AL $5,000 Ala. Code 6-10-2. AK $54,000 Alaska Stat. 09.38.010 Ala. Code 19-3-1 for assets held in qualified trusts. Alaska Stat.
Cancellation/Nonrenewal Surplus Lines Exemptions * Indicates updates in laws or regulations for the state Contact: Tina Crum, email@example.com, 847-553-3804 Disclaimer: This document was prepared by
National Compendium of Statutes of Repose for Products Liability and Real Estate Improvements By Alan R. Levy Current as of September 1, 2010. Note: This chart is not an exhaustive list of the characteristics
PUBLIC HEALTH AGENCY OPERATIONS 50-State Survey State Laws Addressing Extension of Workers Compensation Coverage to Public Health As of May 31, 2014 Please note that this document describes the content
Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS
7 th National RAC (and MAC) Summit December 5 6, 2012 Washington, DC Jane Snecinski P.O. Box 12078 Atlanta, GA 30355 www.postacuteadvisors.com National client base (both public and private sector) based
Beth Radtke 50 Included in the report: 7/22/2015 11:15:28 AM Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Connecticut (CT) Delaware (DE) District Columbia (DC) Florida (FL)
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Life Without Parole (JLWOP) February 2010 STATE LWOP Law JLWOP 1 ALABAMA YES 62 0 court Ala. Stat. 13A-6-2 ALASKA No LWOP parole always possible No -- -- - Max. age of 18 yrs. old Alaska Stat. 11.41.100
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Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 firstname.lastname@example.org 1 Cancellation of debt (COD)... Generally, if a debt for which the taxpayer was personally responsible
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Default Definitions of Person in State Statutes State Alabama ALA. CODE 1-1-1 (2014) 1-1-1. Definitions. The following words, whenever they appear in this code, shall have the signification attached to
NONJUDICIAL TRANSFER OF TRUST SITUS CHART 1 This chart provides a survey of the State statutory provisions for all States and the District of Columbia relating to the nonjudicial transfer of the principal
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Table 1: Laws And Coverage Requirements For Domestic Service Employment By AL Code of Alabama 1975- Articles 1-13, Sections 25-5-1 25-5-340 AK Chapter 23.30- Alaska Labor and AZ Arizona Revised Statutes-
False Claims Act Regulations by State Under the False Claims Act, 31 U.S.C. 3729-3733, those who knowingly submit, or cause another person or entity to submit, false claims for payment of The purpose of
IN GENERAL This chapter deals with state law provisions identifying, establishing, and collecting overpayments. All states have provisions addressing these matters. A state s law generally differs in the
MATTHIESEN, WICKERT & LEHRER, S.C. 1111 E. Sumner Street P.O. Box 270670 Hartford, WI 53027 (262) 673-7850 (262) 673-3766 (Fax) www.mwl-law.com 50 STATE DEDUCTIBLE REIMBURSEMENT CHART July 2007 STATE ALABAMA
Health Insurance Coverage of Children Under Age 19: 2008 and 2009 American Community Survey Briefs Issued September 2010 ACSBR/09-11 IntroductIon Health insurance, whether private or public, improves children
Rate Regulation Introduction Concerns over the fairness and equity of insurer rating practices that attempt to charge higher premiums to those with higher actual and expected claims costs have increased
APPENDIX 1 PRIMARY SOURCES BY JURISDICTION This appendix contains citation information about reporters, statutory compilations, session laws, and administrative compilations and registers for state, territorial,
Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue NAIC Group % Attorney s Title 3.8% Chicago / Fidelity 0.9% Diversified 0.6% First American 2.7% Investors
Responsibility and Work Opportunity Reconciliation Act.... STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE Recent studies have examined national participation
TESTIMONY The California Assembly Higher Education Committee October 7, 2013 Presentation by: David Longanecker President, Western Interstate Commission for Higher Education (WICHE) FINANCING CALIFORNIA
Arizona Form 2014 Credit for Taxes Paid to Another State or Country 309 Phone Numbers For information or help, call one of the numbers listed: Phoenix (602) 255-3381 From area codes 520 and 928, toll-free
Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans For Policyholders who have not annuitized their deferred annuity contracts Zurich American Life Insurance Company
Victims of drunk driving crashes are given a life sentence. In instances of vehicular homicide caused by drunk drivers, these offenders rarely receive a life sentence in prison. Laws vary greatly on the
STATE PERSONAL INCOME TAXES ON PENSIONS & RETIREMENT INCOME: TAX YEAR 2010 Ronald Snell Denver, Colorado February 2011 Most states that levy a personal income tax allow people who receive retirement income
ALABAMA Age Emancipation petition allowed: "minors over 18 years of age" 26-2A-20; Code 26-1-1 Age of Majority: 19 26-1-1 NOTE: An individual may have the disabilities of minority removed otherwise than
Beth Radtke 49 Included in the report: 7/22/2015 11:24:12 AM Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Connecticut (CT) Delaware (DE) District Columbia (DC) Florida (FL)
COMMERCIAL FINANCE ASSOCIATION Annual Asset-Based Lending and Factoring Surveys, 2008 Non-Member Edition May 6, 2009 R.S. Carmichael & Co., Inc. Commercial Finance Association 70 West Red Oak Lane (4 th
rev: 12/17/13 License and Frame Guidelines # State License s Small over Small Small over Large Large Only 1 Alabama: AL 2 Alaska: AK 3 Arizona: AZ 4 Arkansas: AR 5 California: CA 6 Colorado: CO 7 Connecticut:
Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS
The Cost And Benefits Of Individual Health Insurance Plans: 2007 Contents Introduction and overview 3 Methodology summary 4 Report summary 5 Major Medical Plan Premiums Profile of ehealthinsurance policy
Chart Overview of Nurse Practitioner Scopes of Practice in the United States Sharon Christian, JD, Catherine Dower, JD, Edward O Neil, PhD, MPA, FAAN Center for the Health Professions University of California,
FR Y-14Q: Retail US Auto Loan Schedule Instructions This document provides general guidance and data definitions for the US Auto Loan Schedule. For the International Auto Loan Schedule, see the separate
Instructions: (Please fax or email the completed documents) email@example.com Fax: 1-855-631-4174 o Fill o Copy o Copy o initial o Insurance out Carrier profile of Common Carrier Authority Company
The Cost and Benefits of Individual & Family Health Insurance Plans November 2012 Table of Contents Introduction and Background... 3 Methodology Summary... 3 Report Highlights... 4 Major Medical Policies
on on medicaid and and the the uninsured Health Coverage for the Population Today and Under the Affordable Care Act April 2013 Over 50 million s currently live in the United States, comprising 17 percent
MAIA Bulletin #2004-26 December 2004 (updated 6/6/05) SR-22 Project One of the most common complaints we receive is that consumers in Massachusetts are unable to secure SR-22 (financial responsibility)
National Conference of State Legislatures Discrimination Laws Regarding Off-Duty Conduct Updated October 18, 2010 The issue of employees' rights to engage in certain off-duty activities and in the competing
Arizona Reaching International Competitiveness by 2025 National Center for Higher Education Management Systems Differences in College Attainment (Associate and Higher) Between Young and Older Adults U.S.
ITEM 127-105-R0505 TABLE 1 CURRICULUM FOR 72 CREDIT ASN WITH OPTIONAL PN EXIT AFTER 48(+) CREDITS ( STAND-ALONE LPN PROGRAMS WILL OFFER FIRST FOUR SEMESTERS) Course Credits Didactic/Clinical/Lab Course
The data in this chart was compiled from the physician fee schedule information posted on the CMS website as of January 2014. CPT codes and descriptions are copyright 2012 American Medical Association.
State Definition Citation Text ALABAMA MORTGAGE BROKERS LICENSING ACT Mortgage broker means any person who directly or indirectly solicits, Ala. Code 5 25 2(9) processes, places, or negotiates mortgage
22 States do not provide access to Chapter 9 Bankruptcy -Georgia explicitly denies access to municipal bankruptcy. (GA Code 36 80-5) States with No Statutes: Alaska Delaware Hawaii Indiana Kansas Maine
820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 firstname.lastname@example.org www.cbpp.org Updated June 8, 2011 ONLINE SERVICES FOR KEY LOW-INCOME BENEFIT PROGRAMS What States
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CEUGuide Continuing Education Units (CEU) You are responsible for meeting any CEU requirements which may apply to your professional work in the low voltage industry. It is your responsibility to identify