If your medical insurance provider is Blue Cross Blue Shield of Texas, then it is likely that you will receive a subrogation letter from them if you or a member of your family has been injured in an accident. Regardless of whether the injuries in question were suffered in a traffic wreck or any other type of incident, if Blue Cross Blue Shield believes that your injuries were the result of someone else’s negligence, they will enact their right to demand reimbursement if there is a chance that there is another insurance policy out there which should by rights pay for all your accident-related medical costs.
The best thing for you to do at this point is to get in touch with a board certified Fort Worth personal injury lawyer to discuss your legal rights and options. Here at the Anderson Injury Lawyers, we offer all accident victims a free, no obligation consultation. We will discuss your personal situation to make sure that you have grounds to make a legitimate personal injury claim for compensation, and we will carefully review your Blue Cross Blue Shield of Texas health insurance policy to make sure the language clearly stipulates Blue Cross Blue Shield of Texas’ right to subrogate.
What is Subrogation?
Subrogation is a type of lien which can be levied by health insurance companies such as Blue Cross Blue Shield, whereby they ask to get paid back by their customers who make a personal injury claim against the at-fault driver, business, or other party who was responsible for their injuries. The ideology behind subrogation claims is that because someone else caused your injuries to occur it is they – or their insurance provider – who should cover your accident-related medical expenses – rather than your healthcare provider, in this case Blue Cross Blue Shield of Texas.
How Much Do You Have to Pay BCBS Back?
How much you have to pay them depends on the stregnth of the insurance policy language and the amount of the personal injury settlement. Here are our firm, we always analze the relevant policy language in light of the relevan law. We also negotiate with the claims rep for the subro interest and make sure that we don’t pay them back any more than the law requires.
It is in your best interest to hire an experienced Fort Worth personal injury attorney as soon as possible if you have received a subrogation letter from Blue Cross Blue Shield. You want to make sure that you find the best possible lawyer to help you in your claim as you will need to make sure that you do not pay back BCBS any more money than necessary.