by jennb4576 » Mon Nov 10, 2008 09:21 pm
I was told by my chiropractor that in some states, you do not have to pay back the medpay you used. I didn't think that I could keep the money that should have been paid back to my insurance co for my medical expenses due to my accident, which I was not at fault. Does anyone have any information on this topic? The state in question would be Iowa
Posted: Mon Nov 10, 2008 09:40 pm Post Subject: Such subrogation is not allowed in many states
in many states medpay subrogation is not allowed, instead double dipping (paid twice for same thing) is allowed, you will have to check your state...Contact your states, Dept of Ins. comsumer line, (on the web ) and they will be able to help...ALL health ins carriers subrogate though, so if your bills have been paid by any health carrier they will want their money back...and as I said, some states do allow medpay to be subrogated.
Posted: Tue Nov 11, 2008 02:15 am Post Subject: PA allows this subrogation
Gee..wish those rules aplied here in PA.. medpay subrogation is quite possible over here.
Posted: Tue Nov 11, 2008 06:47 am Post Subject:
Hi jennb, you might have got the answer already that some states do allow you to double dip i.e. you can receive compensation from both your auto policy as well as from the other guys insurance and can keep the money for good, whereas, in some other states the insurer might get the money back that they have paid towards your medical expenses when the other driver is at-fault. It depends entirely upon your states guidelines. Hence, what the chiropractor has said might or might not be true. Check with your policy document for the medpay clauses. Also contacting the insurance department might help.
You can read more on Medpay repayment from ampminsure board.
Posted: Tue Nov 11, 2008 08:33 am Post Subject:
In many states the PIP benefits that is paid by the first party insurer isn't subrogable, that is, if the benefits are paid through the PIP coverage, the insurer can't subrogate it against the health insurance or the responsible party's insurance. The recipient may collect from both the policies.
Medpay is different from the PIP coverage. Under medpay subrogation the insurer is allowed to subrogate against the policy holder once the other party's insurer pays the medical expenses.
Thanks,
Rupert
Posted: Tue Nov 11, 2008 09:02 pm Post Subject:
In Iowa medpay subrogation is done out of the insured third party settlement
Posted: Tue Nov 11, 2008 11:56 pm Post Subject:
Doesn't that mean that they (insurance company that paid for the medical) has to be paid first? Thats how I always understood it to be.
Posted: Wed Nov 12, 2008 04:19 am Post Subject: It happens after the medical bills are paid
Yup, the insurer is required to pay the medical bills of the policy holder before they can recover the amount through subrogation. The Medpay coverage act first to meet the medical expenses which the policy holder has accumulated before the third-party settles the bodily injury claim.
Medpay subrogation happens only after the medical expenses are met by the auto insurer.
~Jeremy
Posted: Wed Nov 12, 2008 01:20 pm Post Subject: med pay in iowa
ONCE YOU HAVE COMPLETED TREATMENT THE AT FAULT CARRIER WILL CONFIRM THE MED PAY SUBROGATION AMOUNT AND RESOLVE YOUR CARRIERS MED PAY SUBROGATION AS WELL AS ANY OUT OF POCKET EXPENSES, PAIN AND SUFFERING ECT....YOU MAY HAVE
Posted: Thu Jan 15, 2009 04:55 am Post Subject: my fault accident
My insurance( BCBS) paid for my fault accident my husband had a MRI and the office said in Mo. I didn't have to pay back BCBS when my auto paid also, does anyone then if thats true?
Posted: Tue Aug 11, 2009 11:57 pm Post Subject: Statute of limitations
What is the statute of limitations for medpay subrogation in Nevada
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