Excellus Health Plan, Inc. v. Blackfly Investments, LLC

CourtDistrict Court, W.D. New York
DecidedMarch 26, 2025
Docket6:24-cv-06263
StatusUnknown

This text of Excellus Health Plan, Inc. v. Blackfly Investments, LLC (Excellus Health Plan, Inc. v. Blackfly Investments, LLC) is published on Counsel Stack Legal Research, covering District Court, W.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Excellus Health Plan, Inc. v. Blackfly Investments, LLC, (W.D.N.Y. 2025).

Opinion

UNITED STATES DISTRICT COURT WESTERN DISTRICT OF NEW YORK

EXCELLUS HEALTH PLAN, INC.,

Plaintiff, Case # 24-CV-6263-FPG v. DECISION AND ORDER BLACKFLY INVESTMENTS, LLC,

Defendant.

INTRODUCTION Plaintiff Excellus Health Plan, Inc. (d/b/a Excellus BlueCross BlueShield) brings this action seeking damages from Defendant Blackfly Investments, LLC (d/b/a Molecular Testing Labs) related to payments Plaintiff made to Defendant for COVID-19 testing services provided by Defendant to Plaintiff’s subscribers. ECF No. 1. Defendant moves to dismiss Plaintiff’s complaint pursuant to Federal Rules of Civil Procedure 12(b)(1), 12(b)(2), 12(b)(3), 12(b)(6), and 12(b)(7). ECF No. 9. In the alternative, Defendant moves to transfer venue to the Western District of Washington pursuant to Rule 12(b)(3). Id. Plaintiff opposes the motion in its entirety. ECF No. 13. For the reasons that follow, Defendant’s Motion, ECF No. 9, is DENIED. BACKGROUND According to the complaint, Plaintiff is a health insurance provider headquartered in Rochester, New York, that entered into group health insurance plans with a number of affiliated nursing home operators (the “Nursing Homes”) located in the Rochester area. ECF No. 1 ¶¶ 6–7. While Plaintiff was providing health care coverage to the Nursing Homes’ employees, the COVID- 19 Pandemic (the “Pandemic”) occurred beginning in early 2020. Id. ¶ 11. In response to the Pandemic, on May 10, 2020, the Governor of New York issued an Executive Order requiring all 1 nursing homes in New York to test their employees for COVID-19 on a twice weekly basis (the “Nursing Home Testing Mandate”), regardless of whether the employees were suspected of having been exposed to COVID-19. Id. ¶ 15–16. On June 9, 2020, the Nursing Home Testing Mandate was modified to require testing of nursing home employees only once per week. Id. ¶ 18.

Plaintiff alleges that in order to comply with the Nursing Home Testing Mandate, the Nursing Homes contracted with third-party testing companies, such as Defendant, to perform COVID-19 testing of their employees on a weekly basis. Id. ¶ 20. Plaintiff also alleges that the contracts the Nursing Homes entered into with Defendant provided that the Nursing Homes would pay Defendant a flat “service fee” for the cost of the testing performed on their employees in the event that it was not covered through health insurance or governmental subsidy. Id. ¶ 21. Additionally, Plaintiff alleges that after performing the testing, Defendant acted on the employees’ behalf to attempt to obtain coverage or reimbursement for the cost of the testing from the employees’ health insurers and/or the government by filing necessary claim forms on the employees’ behalf, including with Plaintiff. Id. ¶ 22. Plaintiff contends that if Defendant’s request

for reimbursement was denied, Defendant billed the Nursing Homes for the cost of the testing performed on their employees as agreed to in their contracts.1 Id. ¶ 23. Initially, there was confusion and conflicting guidance from the state and the federal governments about whether health insurers such as Plaintiff were required to cover testing related to the Nursing Home Testing Mandate. See id. ¶¶ 27–39. Plaintiff alleges that, ultimately, the guidance made clear that insurers like Plaintiff were only legally required to provide coverage for COVID-19 testing for individual diagnostic purposes. Id. ¶¶ 32, 39. Consistent with all available

1 All of Plaintiff’s allegations contained in this paragraph are made upon information and belief. ECF No. 1 ¶¶ 20–23. 2 law at the time, Plaintiff implemented an administrative policy regarding COVID-19 testing (the “Testing Administrative Policy”) for its health insurance plans around June 8, 2020, which was retroactive to March 13, 2020. Id. ¶ 40. Per the Testing Administrative Policy, COVID-19 testing of the Nursing Homes’ employees that was ordered or performed solely for purposes of pandemic

control or on an asymptomatic individual solely for purposes of work—including the surveillance testing required by the Nursing Home Testing Mandate—was expressly not covered by Plaintiff. Id. ¶ 43. During the early part of the Pandemic, Plaintiff alleges that Defendant submitted numerous claims to Plaintiff seeking reimbursement for the cost of the COVID-19 testing performed on the Nursing Homes’ employees. Id. ¶ 44. Specifically, Plaintiff maintains that during the calendar years 2020 and 2021, Defendant submitted roughly 2,817 claims to Plaintiff on behalf of the Nursing Homes’ employees seeking reimbursement for the cost of surveillance testing provided by Defendant to those employees from approximately May 2020 to June 2021, totaling $311,681.98 (the “Surveillance Testing Claims”). Id. ¶ 45. Plaintiff claims that most, if not all, of

the Surveillance Testing Claims submitted to Plaintiff were coded as diagnostic testing or expedited diagnostic testing, suggesting that the claims involved testing provided for individual diagnostic purposes. Id. ¶ 46. However, according to Plaintiff, these claims did not involve testing provided for individual diagnostic purposes and instead, involved surveillance testing based on the Nursing Home Testing Mandate, which was not covered by Plaintiff. Id. ¶ 47. Plaintiff claims that due to the confusion and uncertainty surrounding the Pandemic and a directive from the State of New York to expedite the payment of claims, Plaintiff paid Defendant for these claims on behalf of its

3 members based on the information provided in the claim submissions that stated the claims were for diagnostic testing. Id. ¶ 48. After subsequently conducting an audit of its claims, Plaintiff discovered that the Surveillance Testing Claims had been paid in error, as these claims were for surveillance testing,

which was expressly not covered by Plaintiff. Id. ¶ 49. Plaintiff claims that it then immediately informed Defendant of the error and demanded reimbursement of all sums it erroneously paid in connection with the uncovered Surveillance Testing Claims. Id. ¶ 50. Plaintiff also claims that it further informed Defendant that all future claims or requests seeking reimbursement for the cost of similar surveillance testing services would be denied by Plaintiff. Id. ¶ 51. Despite Plaintiff’s demands for repayment, Plaintiff alleges that Defendant has refused to return the payments made by Plaintiff in error and continues to wrongfully retain these funds. Id. ¶ 52. On April 30, 2024, Plaintiff brought the instant action in this Court. ECF No. 1. Plaintiff brings four claims seeking damages for: (1) money had and received, (2) payment by mistake, (3) unjust enrichment, and (4) restitution. Id. All of these claims arise out of the alleged wrongful

retention by Defendant of health insurance payments erroneously made by Plaintiff to Defendant for the Surveillance Testing Claims. Id. DISCUSSION Defendant moves to (I) dismiss pursuant to Rule 12(b)(1) and 12(b)(7), arguing that Plaintiff has failed to join thirteen indispensable parties, which, once joined, would deprive the Court of subject matter jurisdiction; (II) dismiss pursuant to Rule 12(b)(2), arguing that this Court lacks personal jurisdiction over Defendant; (III) dismiss or transfer the action under Rule 12(b)(3), arguing that this District is an improper venue; and (IV) dismiss pursuant to 12(b)(6) for failure to state a claim. ECF No. 9. The Court discusses each in turn. 4 I. Dismissal Pursuant to Rule 12(b)(1) and 12(b)(7) Defendant’s first argument is that Plaintiff’s complaint should be dismissed under Rule 12(b)(7) because Plaintiff has failed to join thirteen indispensable parties. ECF No. 9-1 at 15. Defendant further argues that once these parties are joined, this Court will not have subject matter

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Excellus Health Plan, Inc. v. Blackfly Investments, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/excellus-health-plan-inc-v-blackfly-investments-llc-nywd-2025.