what does it mean when blue cross blue shield is subrogating with my attorney

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.

Full Answer

What is the Blue Cross plan?

Blue Cross and Blue Shield developed separately, with Blue Cross providing coverage for hospital services and Blue Shield covering physicians' services. [5] Blue Cross is a name used by an association of health insurance plans throughout the United States .

Why does Blue Cross use a BlueShield logo?

Various logos may be displayed on member ID cards for Blue Cross Blue Shield (BCBS) Plans in the United States and International Licensees licensed through BCBSA. Member ID cards may include one of the logos below that identify the type of coverage the member has and/or indicate the provider’s reimbursement level.

How much does Blue Cross Insurance Cost?

The “Blues” — blue cross and Blue Shield — are the best-known providers of this kind of health insurance, although not the only ones. People ask , how much does it cost to get insurance on your own? For example, the average cost of private health insurance for a Basic Hospital plan for a single adult living in NSW is between $109 to $303 per month, while Extras only costs between $25 to $187 per month (April 2021).

Is Blue Cross Blue Shield worth it?

Yes, the Blue Cross Blue Shield Settlement is legit, and some involved may have even received postcards in the mail notifying them of the lawsuit. WHAT IS A CLASS-ACTION LAWSUIT?

What does subrogation mean in insurance?

Subrogation allows your insurer to recoup costs (medical payments, repairs, etc.), including your deductible, from the at-fault driver's insurance company, if the accident wasn't your fault. A successful subrogation means a refund for you and your insurer.

What is an example of subrogation in health insurance?

Healthcare subrogation may arise when someone with health insurance becomes injured in an accident for which someone else is liable. For example, a health insurance company may pay the injured's medical bills and attempt to recover its expenses from the liable party (“tortfeasor”).

What is a subrogation in law?

When one party takes on the legal rights of another, especially substituting one creditor for another. Subrogation can also occur when one party takes over another's right to sue.

What is subrogation explain with example?

An example of subrogation is when an insured driver's car is totaled through the fault of another driver. The insurance carrier reimburses the covered driver under the terms of the policy and then pursues legal action against the driver at fault.

What are the purposes of subrogation?

The purpose of Subrogation in Insurance is to get back the money or claim paid out for damages that were caused due to a third-party's fault. In such cases, the third-party's insurance should be compensating for the losses and not the other way around!

How do you fight subrogation?

Get a lawyer together to help you handle the subrogation, and keep in mind, this could be your opportunity to prove you're not actually at-fault. If you've accepted that you're at-fault, respond to the subrogation letter and try to settle the claim with the opposing insurance carrier before a trial.

What are the effects of subrogation?

The effect of subrogation is that the employee is only paid once for those amounts associated with medical expenses and wage loss that the employer has paid under workers' compensation.

What is the effect of legal subrogation?

For example, where an insurer has paid out money to an insured, subrogation enables the insurer to recoup all or some of that money from a third party who caused or contributed to the loss. This means that once an insurer has paid out under an insurance contract, the insurer can "step into the shoes" of the insured.

What is subrogation and settlement of claims?

Equitable right of subrogation arises when the insurer settles the claim of the assured, for the entire loss, i.e. insurer stands in the shoes of the insured. Subrogation in this sense is a contractual arrangement for the transfer of rights against third parties and is founded upon the common intention of the parties.

Why is subrogation important to insurance companies?

Simply put, subrogation protects you and your insurer from paying for losses that aren't your fault. It's common in auto, health insurance and homeowners policies. It lets your insurer pursue the person at fault to recover the money paid out for a claim that wasn't your fault.

What happens if subrogation fails?

What happens if you don't pay a subrogation claim? If you choose to not pay a subrogation, the insurer will continue to mail requests for reimbursement. Again, they may file a lawsuit against you. One way to avoid an effort to subrogate from the victim's insurance company is if there is a subrogation waiver.

How do you respond to a subrogation letter?

You have no legal obligations to respond to a subrogation letter. You can put the letter in the garbage and ignore additional notices, but it's not in your best interest. Immediately dealing with a subrogation letter allows you to resolve a claim sooner than later.

What is subrogation insurance?

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.

Can you complain about a subrogation letter from Blue Cross Blue Shield?

Complaining about a Subrogation Letter from Blue Cross Blue Shield. 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.

How to report healthcare fraud to Blue Cross Blue Shield?

If you suspect, experience or witness healthcare fraud, you should report the information to your local Blue Cross Blue Shield company by calling the number on the back of your member identification card. If you are not a BCBS member you can email us or call the report fraud hotline 1-877-327-BLUE (2583).

What is the Blue Cross Blue Shield Association?

As part of our mission to improve and protect the healthcare system, the Blue Cross Blue Shield Association leads a national effort to prevent and respond to healthcare fraud that impacts members. The Blue Cross Blue Shield companies partner with state and federal agencies, as well as advocacy organizations, to report, investigate and reduce the incidence of healthcare fraud.

How to report BCBS fraud?

If you are not a BCBS member you can email us or call the report fraud hotline 1-877-327-BLUE (2583). If you are a federal employee or retiree, you can report potential healthcare fraud by calling 1-800-337-8440. The report fraud hotline cannot address medical benefit questions, individual payment disputes, expiration of benefits ...

How to report healthcare fraud?

Although healthcare fraud is committed by a very small minority within the healthcare system, no one can assume it won't happen to them. We encourage you to take these steps to avoid becoming a victim of healthcare fraud: 1 After care, review your statement to verify accuracy. 2 Ask your doctor to explain the reason for services. 3 Report any discrepancies to your health insurance plan or payer. 4 Beware of "free" medical services, as illicit entities use this lure to obtain information. 5 Safeguard your insurance member ID card. 6 Report instances where co-payments or deductibles are waived. 7 Don’t give your insurance number to marketers or solicitors. 8 Never sign a blank insurance form.

What is the phone number for Blue Cross Blue Shield?

This number is only used to receive calls from members, not to make calls, and if you receive a call that appears to be from 888.630.2583, the call is fraudulent or malicious and you should not answer it, or hang up immediately after receiving it if you do answer the call initially.

How many Blue Cross Blue Shield companies are there?

The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies.

Does Blue Cross Blue Shield make robo calls?

Neither Blue Cross Blue Shield Association nor any of the Blue Cross and Blue Shield companies license d to use the Blue Cross® and/or Blue Shield® brands are making these calls. Licensed Blue Cross and Blue Shield companies will not refer to themselves solely as “Blue Cross,” “Blue Shield” or “Blue Cross Blue Shield” in calls they do make, as each local company must provide information that identifies its corporate or trade name in its communications (for instance, “Blue Cross and Blue Shield of [State]”).

Claims and Billing

Where do I file a claim for medical care received outside the United States?

My Coverage and Benefits

I was denied coverage, a claim, or received erroneous charged on my EOB, whom do I contact?

Purchasing Insurance

How can I find out information about coverage that is supplemental to Medicare?

Member Questions

Blue Cross Blue Shield members, please contact your BCBS company if you have specific questions about your plan, coverage and more.

How many members of large, geographically dispersed, self-funded national Employers are eligible for the second blue?

The Second Blue Bid provision of the Settlement Agreement was designed to enable 33 million Members of large, geographically dispersed, self-funded national Employers to have the opportunity to receive a Second Blue Bid.

Why is the Court approving the settlement notice?

The Court authorized the Notice because Class Members have a right to know about the proposed Settlement of certain claims against Settling Defendants in this class action lawsuit and about Class Members' options before the Court decides whether to approve the Settlement. If the Court approves the Settlement, and after objections ...

What is a class action lawsuit?

In a class action lawsuit, one or more people or businesses called class representatives sue on behalf of others who have similar claims. All of the people or businesses who have similar claims together are a “class” or “class members” if the class is certified by the Court. Individual class members do not have to file a lawsuit to participate in ...

Is Blue Cross Blue Shield a class member?

If you were covered by certain Blue Cross Blue Shield health insurance or administrative services plans between February 2008 and October 2020, you may be a Class Member. The Court certified two Settlement Classes in this case, a Damages Class and an Injunctive Relief Class. You may be included in both Settlement Classes.

Can you sue a settlement defendant?

This means that you cannot sue, continue to sue, or be part of any other lawsuit against Settling Defendants that makes claims based on the facts and legal theories involved in this case or any of the business practices the Settling Defendants adopt pursuant to the Settlement Agreement.

Did the court decide in favor of the plaintiffs or settlement defendants?

The Court did not decide in favor of the Plaintiffs or Settling Defendants. Instead, both sides have agreed to the Settlement. Both sides want to avoid the risk and cost of further litigation. The Plaintiffs and their attorneys think the Settlement is best for the Settlement Classes. 5.

Do you have to file a lawsuit to join a class action?

Individual class members do not have to file a lawsuit to participate in the class action settlement or be bound by the judgment in the class action. One court resolves the issues for everyone in the class, except for those who exclude themselves from the class. 4. Why is there a Settlement?

How to call Blue Cross Blue Shield?

Call the insurer directly. If you’re slightly uncomfortable with the questions the caller is asking, you can hang up and continue the call by dia ling the insurer directly. On the back of your Blue Cross Blue Shield card is the company phone number. Some states even have a fraud number on the card. Don’t dial any numbers given to you by the caller.

How to file a complaint against a state?

Contact Your Attorney General. You can often file a complaint online through your state’s Attorney General website.

Is healthcare a scam?

Healthcare is low-hanging fruit for many scammers. In addition to being on the hook for out-of-pocket expenses or having your credit scammed, The National Health Care Anti-Fraud Association (NHCAA) estimates that healthcare fraud can cause financial losses in the tens of billions of dollars each year, which “inevitably translates into higher premiums and out-of-pocket expenses for consumers, as well as reduced benefits or coverage.”

Can you give your zip code to Blue Cross Blue Shield?

Protect your information. Make it a rule to never give your personal information over the phone or over email. “Blue Cross Blue Shield would never call our members up and ask for their personal information,” said Crowell. They might ask you for your zip code, but they’re not going to ask you for your member number or Social Security number.

Is Crowell a scammer?

Currently, Crowell is investigating scammer calls peddling topical creams. “It’s usually for a pain cream or a scar cream,” said Crowell. “After they get your approval, you will receive one of these creams in the mail with the prescription. The scammers will usually ask if you want automated prescription refills.