Do You Have To Pay Back Your Health Insurance?

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By: Bill Henry
PublishedApr 25, 2020
1 minute read

When you’re injured in a car accident, you may wonder if you have to pay back your health insurance for your car crash treatment.

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Do You Have to Pay Back Your Health Insurance?

It Depends…

Here is a question we get asked a lot: “Do I have to pay back my health insurance?” And of course the answer is yes or no.

Recover Full Policy Limits

Let’s say your health insurance pays for initial treatment, an emergency room visit, the ambulance, or for ongoing treatment, imaging, or surgery. If you recover full policy limits from all available policies, you most likely will not have to pay your health insurance company back.

If You Don’t…

However, if you don’t recover full policy limits, then you most likely will have to pay your health insurance back. That is called subrogation.

Your health insurance company, if they pay for your treatment and you recover for that treatment, has a right to get paid back unless you get policy limits.

Colorado Law & Exceptions

It’s a statute that is unique to Colorado, and it can be tricky to understand when that statute will benefit you.

There are a few exceptions to everything, of course. And one of the exceptions applies if you have a government policy, a government health insurance policy, or one of some other policies that are self-funded under a statute called ERISA.

How an Attorney May be Able to Help 

That’s something you would need to speak with an attorney about to see if maybe it can be negotiated on your behalf.

So, if you recover for medical bills that your insurance company paid for you, you may or may not have to pay them back. That’s something that you should discuss with an experienced personal injury attorney.

Get Help with Your Personal Injury Case

If you have a question about the above content or need help with your personal injury, please call us at 303-688-0944 to schedule a 30-minute consultation with a member of our Personal Injury Team.

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