Poppe Law Blog

view all

Law News


Law We Know

Unfair Insurance Practices Attorney



  • I would like to take this opportunity to write to your law firm and thank you for coming through for me when I lost hope in my previous attorney. 
  • We will gladly be a reference for you, and we certainly will recommend you as the attorney to have in Louisville.  You have a gift in the way you are able to communicate with your clients and within the legal system.
  • My father would have been so proud to know that his case was driven home with such passion and genius.  Thank you for giving that jury every tool they needed to hold those people accountable for the torture they inflicted on my Dad.
  • Thank you, thank you, thank you, thank you, thank you, thank you...
  • You have now made it possible for me to rest assured that I have everything I need now and in the future to cover the expenses of my disability


print page

Study Shows Unfair Billing Practice For Uninsured Patients

Hospitals in America are charging uninsured patients about 2.5 times more than rates paid by health insurance companies, reports a study in the May-June issue of the Health Affairs journal. The study found that for every $100 in Medicare-allowed costs, the uninsured patient was charged an average of $307.

“Over time, the uninsured have been paying higher and higher prices for hospital care compared to what the insured population pays,” says Gerald Anderson, the study’s author. Anderson calls the price markup “unjustifiable.”

Hospital mark-up rates varied state-by-state. California, New Jersey, and Pennsylvania had the highest rate of mark-up (about four times the Medicare-allowed costs). Idaho, Maryland, Montana, Vermont, and Wyoming had the lowest rates (about twice what Medicare allows). Predictably, for-profit hospitals had a higher mark-up rate than their non-profit counterparts.

The problem, according to the study, is the inability of uninsured patients to negotiate the prices of their care. Hospitals set rates for patient care on a list called a “Chargemaster.” Insurance companies are able to negotiate the prices down when contracting with hospitals, but individuals who do not have health insurance are unable to do so. Many believe that the hospitals inflate prices on the Chargemaster in anticipation of the fact they will come down during negotiations.

According to the American College of Emergency Physicians , about 46 million Americans are uninsured. Of those, about 80% are both unable to afford health insurance and ineligible for public programs.

There are currently about 60 class action lawsuits pending on behalf of uninsured patients for this overcharging. The American Hospital Association (AHA) has enacted a voluntary policy for poor and uninsured patients, but it is unclear how many of the 5,000 hospitals that AHA represents have adopted the policy.

To read the article’s abstract, click here.

Personal Injury and Accident Attorney for Louisville, Jeffersontown, Elizabethtown, Radcliff, Lexington, Frankfort, Bardstown, Ft. Knox, Richmond, Covington, Bowling Green, Newport, Owensboro, Paducah, Pikeville, Ashland, Morehead, Murray, Jefferson, Bullitt, Shelby, Hardin, Meade, Spencer, Henry, Larue, and Fayette Kentucky as well as New Albany, Jeffersonville, Indianapolis, Clark, Floyd, Harrison, Jefferson, Scott, Washington, Crawford, Perry, Marion and Spencer in Indiana.

The information you obtain at this site is not, nor is it intended to be, legal advice.
You should consult an attorney for individual advice regarding your own situation.