re: ‘Two little boys crying wolf’: Landry calls for shared blame on LA’s insurance crisis

This is actually a slight misstatement. First, you have to account for the fact that health coverage provider wants their money back. And it needs to get it back. The liability coverage of these maniacs riding peoples’ tails, etc should have to address the necessary hospital bills, not the health coverage providers. To make Medicaid, Medicare or private health insurance eat that cost would create significant economic inefficiencies in the health insurance market.

Here’s a better solution to manage the healthcare costs involved in these PI cases:

Do you realize that Acadian Ambulance and most hospitals will refuse to accept health insurance when the patient was injured in a wreck or a fall? That’s right, they expect some sort of windfall if the patient was injured by someone else vs. a heart attack or stroke or some other health related factor. Allowing this to continue literally incentivizes the transportation or treatment of MVA patients over regular folks needing emergent care. BR General is among the worst at this practice. Then you have these private urgent care facilities that refuse health coverage but charge $30,000 plus for the same ER treatment that would normally run about $5000 for which Medicare or private HI would pay about $1500.

When you really get down to the nuts and bolts and actually study the economic inefficiencies, real effective change could be made but it’s not as politically expedient as blaming the plaintiff lawyers or the billion dollar insurance companies.

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Do you realize that Acadian Ambulance and most hospitals will refuse to accept health insurance when the patient was injured in a wreck or a fall? That’s right, they expect some sort of windfall if the patient was injured by someone else vs. a heart attack or stroke or some other health related factor. Allowing this to continue literally incentivizes the transportation or treatment of MVA patients over regular folks needing emergent care. BR General is among the worst at this practice. Then you have these private urgent care facilities that refuse health coverage but charge $30,000 plus for the same ER treatment that would normally run about $5000 for which Medicare or private HI would pay about $1500.

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Soapbox issue for me but Acadian and the hospitals have wayyyyy too much political power for it to ever be changed.

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Liability-only is relatively inexpensive if you don’t have a bad driving record. If they can’t afford it, then ride the bus. But many CAN afford it, they just choose not to because they want to spend that money on non-necessity luxuries like expensive shoes, designer brand purses, new PS5, latest iphone, or going out to the club.

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No it’s not. If you’re young or have bad credit I’ve seen quotes for $300/mth on a paid for 2010 Camry.

You rather blame citizens instead of corrupt bureaucrats.

Well, if you know the solution you better pass on the measures to our Governor. His many bills last year did no good. I have a feeling that the tort rerform he vetoed would have worked. But if his bills this year do not work I believe that the good he has done in criminal law will not be enough to get him reelected. Unfortunately, his hunting trips and closeness to trial lawyers will leave an impression on the voters who hoped their rates would go down. His throwing the duly State wide elected Ins Commissioner, elected without opposition, under the bus will also doom another Governor run and perhaps the Ins. Commisioner, as well. The voters expect the rates to be competitive with other states and are not satisfied being the State with the highest rates.

I'm pretty sure none of this matters. If the voters of Louisiana were allowed to vote on an amendment that would fix this problem, they'd vote no.

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Stop sidetracking the argument, no one is demonizing or wanting people with severe injuries to not be compensated. It’s the people with the frivolous lawsuits and those acting like getting in the smallest fender bender is a giant lottery winner that’ ruins it for legitimate claims. What effect do you think injury attorneys advertising these giant awards have? You notice how they all have dollar amounts shown and not “I got in a wreck and Gordon got my back to feel better”. The injury attorneys created this lottery ticket mentality.

Not to mention there is no regulation on these slimeball pain clinics that some of the attorneys have ownership stakes in. If these people were truly injured, why not go to a legitimate hospital/doctor instead of flim flam institutes?

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