Ambulance billing practices under scrutiny in Louisiana

During a recent government meeting, significant discussions centered around the high auto insurance rates in Louisiana, which are reportedly the highest in the nation. The meeting highlighted concerns regarding the current indemnity system, which some officials believe is structured to benefit plaintiffs financially rather than simply making them whole after accidents.

The conversation transitioned to the operations of Acadian Ambulance Service, represented by Lisonbee Ford, who provided insights into their billing practices for motor vehicle incidents. Ford explained that ambulance services typically generate a bill only after responding to a 911 call, and they do not self-generate bills prior to treatment. The billing process is complex, particularly when third-party liability is involved, and can vary based on whether the patient has insurance or if they are uninsured.

Ford detailed the steps taken when billing for services, including the verification of insurance and the potential for legal representation by attorneys. He noted that if a patient is uninsured, Acadian often does not recover costs for services rendered. The recent passage of Senate Bill 109 was also discussed, which mandates that ambulance providers accept a set payment rate—325% of Medicare—when there is no locally regulated rate in place.

The meeting underscored the challenges faced by ambulance services in navigating insurance claims and the financial implications for both providers and patients. The discussions reflect ongoing efforts to regulate the industry and ensure fair compensation for emergency services while addressing the broader issue of high insurance costs in Louisiana.