How subrogation claims work in car accident and personal injury. How long subrogation takes and your rights when car or health insurance seeks to subrogate.Simply fill out the form below, and one of our experienced attorneys will give you real options for how best to move forward with your case. Under Federal Law, Medicaid must seek the recovery of funds spent on a recipient's medical care from any liable third party. Subrogation applies to insurance companies, government healthcare, and others that pay your medical bills. Insurance providers are entitled to repayment. Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. To recover damages for past medical expenses in a personal injury lawsuit, a plaintiff must present evidence and prove the medical expenses incurred were both. All treatment is subject to benefit payment maximums shown in the Summary of Medical Benefits and as set forth elsewhere in this document. Subrogation for health plans.