How will my settlement be affected by my health insurance coverage?

Your settlement amount in a personal injury case in Washington may be affected by your health insurance coverage. Generally, if you have health insurance and it has paid for any of your medical costs, your settlement must be reduced by the amount you have already been reimbursed. This means that your settlement will be reduced by the amount of your health insurance payments. Health insurance companies also typically have a right to a portion of your settlement if they have paid for any of your medical costs. The amount of your settlement that the health insurance company may claim is known as a subrogation claim. This is because the health insurance company is essentially “stepping into your shoes” and taking the place of the injured person and is entitled to recover any monies that have already been paid out by the health insurance company. You should be aware that some health insurance policies will require you to repay them out of any settlement proceeds that you receive. In this situation, you may need to negotiate with the health insurance company for a lower repayment amount than the full reimbursement. Overall, it is important to understand your health insurance coverage and how it will affect your potential settlement. You may need to consult with an experienced personal injury attorney to help you understand this process.

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How will my settlement be affected by my health insurance coverage?

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