Several states have laws that prevent private healthcare plans from seeking reimbursement. If at the time of your injury you lived in a state that has these types of laws, then GRG will review your case to determine whether the state law prevents the insurer from seeking reimbursement. If at the time of your injury you lived in one of these states, you may not have an obligation to pay your private health insurance plan back for the treatment costs of your injury.
However, even if state law would prevent the insurance company from seeking reimbursement, the insurance provider may still have a right to repayment under federal law. The plan can show that the terms of its insurance contract with you allow it to recover your treatment costs under a federal law. These types of claims are handled on an individual case-by-case basis.
The following states have what are known as anti-subrogation laws, which seek to prevent insurers from reimbursement:
- New Jersey
- New York
- North Carolina