Subrogation
Subrogation is an insurer's right to be repaid out of a plaintiff's recovery for medical bills it already paid, which reduces what the client actually takes home.
If a health insurer paid $40,000 of a client’s treatment and the case settles, the insurer generally wants that back out of the settlement.
Why the number is negotiable
Often it is. Many plans reduce their claim to reflect the cost of the recovery, and some are limited by state law or by the terms of the plan itself. Whether they can be reduced, and by how much, depends on what kind of plan it is — which requires reading the plan documents, which requires obtaining them.
That is the work: identifying every payer, getting the plan terms, and negotiating each one down.
Why it decides client satisfaction
The client hears the settlement number. What they receive is that number minus fees, costs, liens and subrogation. The gap between the two is where the difficult conversation happens, and a firm that surfaces it early has a much easier one.
Not ready to book a call
Send us five pages of a record set. We will send back what we found in it.
Five pages is enough, redacted however you like. You get a short video back within two business days showing what a chronology would surface from it: the dates, the gaps, the things worth knowing before the other side finds them.
- Send five pages of a real file. Redact whatever you like first.
- We run them and record what comes out, including what it misses.
- You get the video within two business days. If there is nothing worth showing, we say so.