If we’ve reached out to you about taking part in a Private Lien Resolution Program, you can decide to be a part of it, or not.
If you do decide to join, the Garretson Resolution Group team will make sure that any private health care liens you have are paid back, as long as your insurance company participates in the program (most do participate). One benefit to joining the Private Lien Resolution Program is that the program limits the amount of money you have to reimburse your health insurer. In many cases, people in the Private Lien Resolution Program have to pay their insurance company less than people who aren’t in it. Another benefit to joining the Private Lien Resolution Program is that your liens may be resolved faster, and that means you could receive your settlement check more quickly.
If your insurer is not taking part in the Private Lien Resolution Program, you can still join by naming your insurance company on the Enrollment Form we sent you. If you list your insurance company on that form, we’ll reach out to them and invite them to take part.
Ultimately, it’s up to you and your attorney to decide whether you should sign up for the Private Lien Resolution Program. If you had private health insurance coverage or another private benefit plan it might be best to join.
But, if you don't join the Private Lien Resolution Program, you will have to do all the work to identify and pay back any private health insurance liens. You should know that if you have a private health insurance lien, and you don’t take care of it, several negative things can happen. Your insurance company could file a lawsuit against you to recover the medical costs of your treatment, your plan could cancel your insurance outright, or withhold future healthcare benefits until the lien is paid.
Aside from the steps your insurance company could take to recover the money, you could also delay the receipt of your settlement check by failing to address any private health insurance liens. The defendant may hold at least part of your settlement back until your lien is resolved. Ultimately, it’s up to you and your attorney to decide whether it’s best for you to join the Private Lien Resolution Program or handle any private health insurance liens on your own.