Cookson v. Ramge

The plain language of Neb. Rev. Stat. 44-513 does not require insurance policies to charge identical copayments for a covered service regardless of the type of provider.Health insurance policyholders brought this declaratory judgment action to determine whether section 44-513 allows insurance policies to impose higher copayments on policyholders when they obtain a covered service from a chiropractor rather than from a medical doctor. The district court dismissed the complaint, concluding that the statute did not require insurers to pay the same dollar amount to all providers or to set equal copayments for policyholders. The Supreme Court affirmed, holding that the plain language of the statute does not prohibit an insurer from requiring different copayments for different types of providers. View "Cookson v. Ramge" on Justia Law