MRF E-MAIL NEWS Motorcycle Riders Foundation
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For Immediate Release

17 March 2009

Contact: Jeff Hennie, Vice President of Government Affairs, MRF
Email: jeff at

HIPAA Update

On Wednesday, March 4, 2009, The United States House of Representatives Committee on Energy and Commerce passed legislation that would make it illegal for insurance providers to exploit what is known as the "source of injury exclusion" loophole; reports the Motorcycle Riders Foundation.

On that day the committee chaired by US Representative Henry Waxman considered 10 bills that had passed the House with bipartisan support in
the 110th Congress. Under a motion those bills were ordered favorably reported to the House by unanimous consent.

Under current law, insurance providers can refuse to pay for treatment of an injury based solely on the source of the injury. Simply by pointing to
the "source of injury" law, no prior notice of possible denial of benefits for that source of injury is required.

Sources of injury that can be used as a reason by insurance providers to refuse payment of medical bills include motorcycling, snow skiing, ATVs
and horseback riding.

According to HR 1253, known as the Health Insurance Source of Injury Clarification Act, if an insurance provider wants to be able to put
limitations on payment for an injury from a specific source they must meet the following requirements.

* "Make such limitations and restrictions explicit and clear; "
* "If part of a group plan, must be disclosed to plan sponsor in advance of the point of sale of plan;"
* "The plan sponsor and issuer of health insurance coverage provide a description that is easily understandable to the participant prior to

To summarize the legalese, your health insurance provider can limit payment for an injury sustained on a motorcycle so long as it is spelled
out to you in simple terms well in advance of you joining the plan.

Closing the loophole entirely and mandating that insurance companies must cover all injuries sustained while operating a legal motorcycle is still
the ultimate goal of the MRF. HR 1253 puts Congress on record that this issue needs attention and is willing to work on it. The MRF will continue
to keep you updated on this important matter.

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(c)All Information contained in this release is copyrighted. Reproduction permitted with attribution. The Motorcycle Riders Foundation, incorporated in 1987, is a membership-based, national motorcyclists' rights organization headquartered in Washington, DC. The first motorcyclists'

rights organization to establish a full-time presence in Washington, DC, the Motorcycle Riders Foundation is the only Washington voice devoted exclusively to the street rider. The MRF established MRFPAC in the early 1990s to advocate the election of candidates who would champion the cause of rider safety and rider freedom.


The MRF proudly claims state motorcyclists' rights organizations and the very founders of the American riders' rights movement among its leading members. The MRF is involved in federal and state legislation and regulations, motorcycling safety education, training, and public awareness. The MRF provides members and state motorcyclists' rights organizations with direction and information, and sponsors annual regional and national educational seminars for motorcyclists rights activists, as well as publishing a bi-monthly newsletter, THE MRF REPORTS.