Payback Is What’s Known as Subrogation
Video Transcribed: Can your health insurance get paid back if they pay for some of your medical bills? Hey everyone, Christopher Stevens here certified paralegal with the Wirth Law Office in Tulsa, Oklahoma, working in personal injury in Oklahoma. Now, today we’re going to be talking about whether or not your health insurance can get paid back if they cover some of your medical bills.
Now, the short answer is it depends. It largely depends on what contract you have with them. In some of those contracts, your health insurance gets paid back dollar for dollar. Some health insurance companies I’ve seen at the end of the day only request maybe 10%, 20% payback, but it all comes down to your contract with them.
Now, that payback is what’s known as subrogation. So that is just saying, “Hey, they paid on your injuries that were caused by someone else.” Now, it’s always very important, especially super early on, to speak with your legal counsel if you have any kind of health insurance that might be paying on your medical bills, even if you don’t think that they have, because it’s still best to check with them, so that way it avoids any complications down the line.