Q: In subrogation, is the healthcare provider seeking reimbursement for themselves or for the company they represent?
The incident occurred while I was getting my healthcare coverage through COBRA. I’m questioning whether the healthcare provider has a legal right to subrogation since I was no longer an employee
A: The healthcare company seeks subrogation for themselves. It doesn't matter where or how you get the coverage. Medicare, Medi-Cal and all private health insurance companies have such a policy. The theory is that you didn't pay for the treatment so if you get money from a 3rd party for your medical treatment then you shouldn't get to keep - but instead should give it to the medical provider.
William John Light agrees with this answer
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A: more info would be helpful.
Subrogation is the substitution of one person or group by another in respect of a debt or insurance claim, accompanied by the transfer of any associated rights and duties.
It is usually the person or company that paid out on a claim and they see you as the person who should be responsible. They take the position that if you get money for a claim you should be responsible for the costs involved.
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