What is Medical Insurance Subrogation?

Kimberly Camarena, Lead Paralegal

Subrogation is when you open a claim with either your medical insurance, car insurance, or any type of third party that has paid expenses towards a personal injury due to someone else’s negligence. What does that mean?

When you have medical insurance, and you’re in an accident and go to the emergency room, you will be asked to give them your insurance card for your health insurance information. The hospital will then bill your provider. Once that provider is billed and then learns the reason you went to the hospital was for a motor vehicle accident, they will then send a letter to your attorney requesting to be reimbursed for monies paid for the accident because they know it wasn’t your fault and it didn’t occur naturally.

To simplify it, you climb a tree, lose your grip, fall out of the tree and break your arm. That was something that you did; therefore, your insurance provider will pay for those injuries. However, if somebody else’s negligence caused the injury, to you and your insurance company pays towards your injury they want to hold that third party liable for it and get paid back. So what happens?

When you employ Finney Injury Law, you’ll be asked for your insurance card. We’ll call that provider and ask to start a subrogation on your behalf. The insurance company then sends a letter to our firm stating you went to the hospital and the amount of money they paid on your bill, and how much money they are to be reimbursed.

When this happens, we’ll open a lien, a promise to pay them at the end of your settlement or verdict. In our experience, we have found some hospitals will also attempt to collect money on that same bill. However, because we opened a medical subrogation with the insurance provider, we know the hospital has already been paid for that service through your health insurance.

Dealing with insurance companies and hospitals after an accident can be tricky, but that’s why we’re here to help navigate the subrogation process for you. We will open medical subrogation and liens with all your providers, and they will be paid once your case has been settled, or a jury verdict has been reached.

If you receive a letter from a medical provider, Medicaid, Medicare or health insurance, inform your legal team so they can start the subrogation and communication process with your medical and insurance providers, so you don’t have to.

Contact Our Personal Injury Law Firm For Help Today

Want more information? Contact the legal team at Finney Injury Law to schedule a free case evaluation today, 314-293-4222. 

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Posted Under: Car Accident FAQs, General Personal Injury FAQs, Our Process, Truck Accident FAQs