自動車保険から身体怪我の和解を受けた場合、医療費を支払った健康保険プロバイダーに払い戻す必要がありますか？

Whether you have to reimburse a health insurance provider that paid for medical bills after receiving a bodily injury settlement from your auto insurance depends on the terms of your health insurance policy and the laws in your state.

多くの場合、健康保険には「代位条項」と呼ばれる規定が含まれています。 This clause gives the health insurance company the right to seek reimbursement for any medical expenses it paid if you later recover damages from a third party, such as a bodily injury settlement from your auto insurance.

If your health insurance policy does have a subrogation clause, you may be required to reimburse the health insurance company for the amount it paid for your medical bills.ただし、このルールにはいくつかの例外があります。 For example, you may not have to reimburse the health insurance company if:

*身体の怪我の解決は、医療費の額よりも少ない。

* The health insurance company has waived its right to subrogation.

*メディケアアドバンテージプランまたは他の種類の健康保険があります。

健康保険の代位に関する法律は州によって異なることに注意することが重要です。 In some states, there may be specific laws that limit or prohibit health insurance companies from seeking reimbursement for medical expenses paid after a bodily injury settlement.

If you have any questions about whether you have to reimburse your health insurance provider after receiving a bodily injury settlement, you should contact your health insurance company or an attorney.