CAN MY HEALTH INSURANCE MAKE ME PAY THEM BACK FOR COVERING A ER CHARGE FROM A AUTO ACCIDENT?

CAN MY HEALTH INSURANCE MAKE ME PAY THEM BACK FOR COVERING A ER CHARGE FROM A AUTO ACCIDENT?

I have United Health Care and am a Georgia resident. I was involved in an auto accident last November and my Health insurance decided to pay for the ER Dr. bill and the ER visit because the auto insurance wouldn'-t cover it. Now they are sending me letters stating I owe them a total of 663.00 which is how much they paid for the services. Is this legal and i'-m a really obligated to pay them back?

Astral

The concept is called subrogation. http://en.wikipedia.org/wiki/SubrogationThe health insurer is essentially stating that another party is responsible for the claim that they initially paid in good faith. In these cases it is usually the auto insurer (either your or the other party's). However without subrogation, there is no motivation on your part to ensure that the responsible party (the auto insurer) pays the claim. I would contact your health insurer to find out how to proceed.

Zarnev

Yes, it is legal.However, whether it is legal or proper in your situation cannot be determined on this website. You need to speak with your auto insurance agent because they'll know, and have access to, more details. Also, you'll need to speak with your health insurance agent or the insurance rep at work.Source(s):Independent Agent

StephenWeinstein

It does not matter whether the responsible party had medpay, unless you are the responsible party.If you are not the responsible party, then the "liability" insurance of the responsible party must pay.If you are not the responsible party, and the responsible party does not have "liability" insurance, then the responsible party must pay.In either case, medpay is irrelevant. Medpay is used if the same person is the responsible party and the injured party, not if they are different.If the liability insurance (not medpay) of the responsible party gave you the money for these medical bills, then you are not allowed to keep it and must give it to the health insurance company that paid these medical bills.The only situation in which the health insurance might possibly not be entitled to reimbursement is if the responsible party had no liability insurance and has no money.Otherwise, the health insurance is entitled to reimbursement, but the money for it should come from the liability insurance (not medpay) of the responsible party or from the responsible party, not from medpay.

Flower

The health insurance company must think you were compensated by the auto insurance. You should get a letter from auto insurance attesting that you received no money. Your health insurance is seeing your auto insurer as a third party for some reason. Straighten it out with your health insurance. There is nothing illegal but you have to take some action to straighten it out.

Tom

You said "according to the responsible parties insurance they do not have medpay either" which may be true but if they are in fact responsible for your injuries the bodily injury coverage on their auto insurance will cover your hospital bills.Georgia law mandates compulsory liability insurance.Minimum limits are:Bodily injury - $25,000 per person $50,000 per accident.Property damage - $25,000 per accidentSource(s):...

Dave

They can if you collect from other insurance for the accident - whether your auto coverage or the other party's insurance. Your posting doesn't make it clear WHY they are asking for reimbursement.

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