No contract – Insurance companies are sometimes unable to produce a written contract for examination, but they might try to assert a subrogation claim anyway. If you are to recover money from a third party in a personal injury claim and the health insurance company has paid for your care they're entitled to be reimbursed.Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. How do I find out about the choices available? Like any legal document, the subrogation letter can be confusing if you aren't familiar with the term or the process. Click here to learn more about it! Under ERISA, fiduciaries have no ability to sue participants for breach of the terms of a plan. Medical bills are often one of the categories of damages listed in a personal injury case. "Balance bills" may not be included in your estimate. Two years of medical treatment and extensive medical bills followed.