Subrogation is a process used by United Healthcare to recover costs from a third party that may be responsible for covering medical expenses for its members. By understanding subrogation, members can have a clearer understanding of their healthcare coverage and how their claims are handled. United Healthcare offers different types of subrogation to address various situations and claims. Here are some of the different types of subrogation provided: 1. Health/Group Plan Subrogation: Under this type of subrogation, United Healthcare seeks reimbursement from a responsible third party, such as an at-fault party in a personal injury case, for medical expenses paid on behalf of the member. This enables the member's health plan to recover costs from another party rather than shouldering the burden alone. 2. Auto Accident Subrogation: In the case of an accident involving a member covered by United Healthcare, this subrogation type helps recover medical expenses related to the accident from the responsible party's auto insurance company. United Healthcare works to ensure that the responsible party, typically the at-fault driver, pays for the medical costs incurred by their member. 3. Workers' Compensation Subrogation: United Healthcare also engages in subrogation related to workers' compensation claims. If a member sustains a work-related injury or illness, their healthcare expenses are initially covered by United Healthcare. However, the insurer may file a claim against the worker's compensation insurance carrier to recover the costs expended. 4. Coordination of Benefits Subrogation: This subrogation type comes into play when a member has multiple health insurance plans, such as being covered under both United Healthcare and another insurance provider. In such cases, United Healthcare works to identify the primary and secondary insurers to ensure that the appropriate insurer pays for the member's claims. Subrogation is utilized when United Healthcare becomes aware that another insurance provider is liable for certain healthcare costs. In summary, subrogation is an essential process for United Healthcare to recover expenses from responsible third parties, such as at-fault drivers, workers' compensation insurers, and other health insurance providers. By employing different types of subrogation, United Healthcare ensures that its members receive appropriate coverage and that the costs are fairly distributed among all parties involved.