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Subrogation
What Is Subrogation?
The term subrogation generally refers to the substitution of one for another.
Specifically, regarding USAble Administrators, it refers to those instances when another
insurance carrier may be responsible for payment of medical care. For instance when
an injury occurs because of an accident in which someone other than the plan member
is at fault, the insurance carrier of that individual may be responsible for the plan
member's medical treatment. In those cases, USAble Administrators may be entitled to recover
the value of the services from the other carrier. USAble Administrators has selected
Healthcare Recoveries (HRI) to help in recovering subrogation claims.
If you, or a family member, are injured in an accident, you will receive a letter from
HRI that asks for you to call their Customer Service Department to provide details
regarding how the injury occurred. If the injury was caused by someone else, on another
party's property or in an automobile accident, HRI will contact the responsible party
and request reimbursement to USAble Administrators for the cost of medical care provided
because of the injury.
A successful subrogation program helps USAble Administrators keep the cost of health care
reasonable for you and your employer. We appreciate your cooperation with HRI.
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