This is common, most injured people think because they pay premiums and co-pays if they are injured in any type of accident they do not have to pay the health insurance company back.
Unfortunately, in most insurance contracts or explanation of benefits you are required to pay the health insurance company back if you receive any recovery from any third party as it relates to your claim.
In other words, if you settle your claim with the at-fault party, you will likely need to discuss settlement of your health insurance company’s subrogation or reimbursement right.
Before you contact your health insurance company it is best to know what rights you have contracted to through your health insurance contract. Some insurance companies do not require being paid back but without a review of the language of your agreement with your health insurance company, you are at their will.
What if I choose not to pay them back? If your health insurance has a subrogation or right of reimbursement clause in their contract with you and you choose not to pay them back you set yourself up to possible litigation and or denial of future medical benefits up to the amounts of whatever money they believe you owe them.
What is important is find out the language of your agreement with your health insurance. A personal injury attorney should be able to easily review this agreement and determine if you owe the insurance company any monies from your claim.
It is best to get a professional opinion from an attorney so you are not having benefits denied if you have any future medical issues moving forward.
If you have a question about your health insurance and how it relates to your claim contact an Georgia personal injury attorney at 866-937-5454 today. We work helping injured people all over the state.