PROGRESSIVE SELECT INSURANCE COMPANY, PETITIONER,
v.
EMERGENCY PHYSICIANS OF CENTRAL FLORIDA, LLP, AS ASSIGNEE OF SAMANTHA JORDAN AND ELIZABETH FIGUEROA, RESPONDENT
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Progressive Select Insurance Company seeks a writ of certiorari challenging the circuit court's ruling that precluded it from arguing the reasonableness of medical charges billed by Emergency Physicians of Central Florida. The court holds that although Progressive failed to elect the Medicare fee schedule limitation in its policy, it is not barred from litigating the reasonableness of charges under Florida's personal injury protection statute.
Although Progressive failed to elect the Medicare fee schedule limitation under section 627.736(5)(a)2.f., Florida Statutes, it is not precluded from litigating the reasonableness of EPCF's charges under section 627.736(5)(a)1., Florida Statutes, and may engage in discovery on the issue of reasonableness.
[1] An insurance company that fails to explicitly elect to limit medical service reimbursements based on a Medicare fee schedule in its policy cannot avail itself of that fee…
[2] Despite failing to elect a specific fee schedule limitation in its policy, an insurance company is not precluded from litigating the reasonableness of medical service bil…
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Join FLexlaw to unlock all legal intelligence“an insurance company must provide notice in its policy when it intends to limit reimbursements for medical services based on the Medicare fee schedule”
Establishes the requirement for proper election of the fee schedule limitation under Geico precedent
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Join FLexlaw to unlock all legal intelligenceEPCF provided medical services to two individuals insured by Progressive and billed for those services. Progressive paid based on eighty percent of 20…
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Progressive Select Insurance Company (“Progressive”) petitions this court, for a writ of certiorari. Progressive argues that the circuit court, sitting in its appellate capacity, erred in finding that it was precluded from arguing the. reasonableness of charges for medical sérvices billed by Emergency Physicians of Central Florida, LLP (“EPCF”).
The instant case arose from two separate lawsuits filed by EPCF seeking payment for medical services provided to Samantha Jordan and Elizabeth Figueroa. Both Jordan and Figueroa held automotive insurance policies with Progressive. EPCF billed Progressive for medical services, and Progressive issued payment for the services that was reduced to eighty percent of 200 percent of the allowable amount under the Medicare Part, B fee schedule. EPCF brought suit seeking additional payment.
The county court, in granting summary judgment in favor of EPCF, held that Progressive had improperly used the fee schedule in paying the billed amounts. Progressive appealed the judgment to the *438circuit court, which found that Progressive should have “clearly and unambiguously” selected the fee schedule limitation under section 627.736(5)(a)2., Florida Statutes (2008), if it wanted to lirjiit its payments in accordance with the Medicare fee schedule. The circuit court added that Progressive was precluded from engaging in discovery and arguing the reasonableness of the billed amounts. Nonetheless, the circuit court remanded the case for further proceedings, holding that EPCF had failed to meet its burden of proof in demonstrating the billed amounts were reasonable. EPCF and Progressive both filed motions for rehearing, which were denied. Progressive subsequently petitioned this court for a writ of certiorari.
Progressive argues that, although it did not specifically elect to use the fee schedule in its insurance policies, it did not waive its opportunity to litigate the reasonableness of EPCF’s bills when it paid the bills based on the fee schedule. We agree.
Section ’ 627.736(5)(a)2.f., Florida Statutes (2008), provides that insurance companies may limit reimbursement for billed services to eighty percent of 200 percent of the allowable amount under the Medicare fee schedule. Section 627.736(5)(a)l., Florida Statutes (2008), provides that medical services providers may only charge reasonable amounts for services provided to individuals covered by personal injury protection insurance. Under the statute, reasonableness is determined by “usual and customary charges,” “reimbursement levels in the community,” and “various federal and state medical fee schedules applicable to automobile and other insurance coverages.” § 627.736(5)(a)l., Fla. Stat. (2008).
In Geico General Insurance Company v. Virtual Imaging Services, Inc., the Florida Supreme Court held that an insurance company must provide notice in its policy when it intends to limit reimbursements for medical services based on the Medicare fee schedule. 141 So.3d 147, 150 (Fla.2013). Because Progressive failed to elect specifically to limit payments based on the fee schedule in the instant case, Progressive may not avail itself of the fee schedule limitation under section 627.736(5)(a)2.f., Florida Statutes (2008).
Nonetheless, despite Progressive’s failure to elect to use the fee schedule limitation in its policy, it is not precluded from having an opportunity to litigate the reasonableness of EPCF’s bill under section 627.736(5)(a)l., Florida Statutes (2008). Therefore, in ruling otherwise, the lower court’s decision constitutes a violation of clearly established principles of law resulting in a miscarriage of justice. See Ivey v. Allstate Ins. Co., 774 So.2d 679, 682 (Fla.2000); see also State, Dep’t of High. Saf. & Motor Veh. v. Fernandez, 114 So.3d 266, 272 (Fla. 3d DCA 2013); Dep’t of High. Saf. & Motor Veh. v. Hofer, 5 So.3d 766, 772 (Fla. 2d DCA 2009). Accordingly, we grant Progressive’s petition and quash that part of the decision under review that prohibits Progressive from engaging in discovery and contesting the reasonableness of EPCF’s bill. We remand this case for further proceedings consistent with this opinion.
PETITION GRANTED and REMANDED.
SAWAYA, WALLIS and LAMBERT, JJ., concur.
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Cited By (16 total)
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Progressive Express Ins. Co. v. Emergency Physicians OF Central Florida, 187 So. 3d 1278 (Fla. 5th DCA 2016)
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State Farm Auto. Ins. Co. v. THE Imaging Ctr. of W. Palm Beach, LLC (Fla. 4th DCA 2021)…erred, because it can contest the reasonableness of the Imaging Center’s charges under section 627.736(5)(a)1. based on the Medicare fee schedule. We agree. In Progressive Select Insurance Co. v. Emergency Physicians of Central Florida, 202 So. 3d 437 (Fla. 5th DCA 2016), Progressive, like State Farm, paid a PIP provider based upon the Medicare Part B fee schedule, although it had not elected to pay pursuant to the schedule as required by statute. The court concluded that “despite Progressive…
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Fla. Hosp. Med. Ctr. v. Progressive Select Ins. Co (9th Cir. Ct. App. Div. 2018)
Previewing 3 of 16 citing cases — full citator treatment, depth of discussion, and citing context are member features.
Join FLexlaw to unlock all legal intelligenceAuthorities Cited
- Farren Ivey v. Allstate Ins. Co., 774 So. 2d 679 (Fla. 2000)
- GEICO Gen. Ins. Co. v. Virtual Imaging Servs., Inc., 141 So. 3d 147 (Fla. 2016)
- State v. Fernandez, 114 So. 3d 266 (Fla. 3d DCA 2013)
- Dep't of Hwy. Safety & Motor Vehicles v. U.J. Hofer, 5 So. 3d 766 (Fla. 2d DCA 2009)