Our insurance claim lawyers have seen how some companies that pursue subrogation claims for health insurance plans are unethical and fraudulent. Many personal injury claims that involve medical treatment can lead to false subrogation claims.
Diagnostic tests like bloodwork, x-rays, CT scans, and MRI scans can all be very are expensive. If you need surgery from an animal attack or have to stay overnight in the hospital, those bills can quickly pass the $20,000 mark. Victims of nursing home abuse and car accidents can face significant medical bills. You can’t depend on the other side’s insurance company to do anything until your case settles, and multi-vehicle and semi-truck crashes can take a while. Hopefully, your health insurance to will cover those expenses and so you can get the treatment you need. But when this happens, you need to be extra careful to avoid false subrogation claims.
How Legitimate Subrogation Claims Work
After your treatment is paid for (and sometimes before then), you’re likely to get a phone call, letter, or email from a company claiming that your health insurance has a “lien” or a claim for “subrogation” against your claim, and they are entitled to be repaid. Personal injury liens and subrogation interests are legal rights to repayment. “Subrogation” means stepping into the legal rights of someone else. If your health insurance plan has a subrogation provision, that means that the provider can “step into your shoes” to sue the person who hurt you, if you decide not to do so. However, this can be a trap door allowing private insurance companies and other entities to make claims to your settlement that they aren’t entitled to.
Ploys of Immoral Subrogation Collectors
Many of the companies that pursue subrogation claims for health insurance plans are incredibly unethical, and will commit or attempt to commit fraud
several ways. Our insurance claim lawyers have seen these entities claim:
- That their client, the insurer has a right of subrogation even when it doesn’t
- To be lawyers when they are not
- That you have no choice when you often do
- That they will protect your rights when they won’t
- That they can’t negotiate for a smaller reimbursement when they can
Often your health insurance plan doesn’t even know that this is happening.
Avoiding Fraudulent Liens
Protect yourself from subrogation fraud by consulting with an experienced attorney. An insurance claim lawyer will collect your entire file from the insurer to review the damage claims and ensure they aren’t asking for more reimbursement than they’re due. They can verify if your health insurance plan has a policy on liens. When an insurance claim lawyer has the appropriate information, they can work on maximizing your recovery, negotiating legitimate liens, and protecting you from false subrogation interests.
The lawyers at the Miller Law Group have more than 50 years of combined experience in handling claims like yours, and they know how to deal with these companies. Take action to protect yourself from fraud. If you’ve been injured, contact your doctor to set up any treatment you need. Then contact our award-winning lawyers to see what we can do to help.
