1

If you used your health insurance for treatment related to a personal injury...

The health insurance company will investigate if the treatment they paid for was related to injuries sustained due to the fault of a third party.

2

If they establish that a third party caused your injuries...

The health insurance company will send your account to their subrogation department. You will receive a letter immediately before or after it reaches this department stating that if you were injured due to a third party, and you are making a related third party claim or filing a lawsuit, you are required to reimburse the health insurance company for those bills that they paid for you related to the injuries.

3

If you hired a lawyer to represent you in the personal injury matter...

Inform him/her immediately that your health insurance company has notified you that they are wanting to be reimbursed should monetary recovery be made in the third party claim/lawsuit. Your lawyer should send a letter to the health insurance company stating that they represent you (Letter of Representation).

4

Once the claim/lawsuit settles OR a verdict is reached...

The lawyer should notify the health insurance company. If the injured party is not able to be compensated fully because of the health insurance lien, the lawyer should negotiate a reduction in the lien amount.

5

If no third party claim/lawsuit is ever made OR there is no monetary recovery...

Then the injured party is not required to reimburse the health insurance company and their right to subrogation does not exist.