What if I have privately purchased health insurance?
We do not reimburse these plans. If you purchased your health insurance from an agency or carrier, then your health insurance most likely cannot seek reimbursement from your settlement. North Carolina has an anti-subrogation rule that prohibits health insurance companies from obtaining reimbursement when the insured pays for the health insurance. An example is when you buy your own health insurance and pay for the premiums on your own and not through a plan provided by your employer. When we are presented claims from these privately purchased health insurance plans, we simply notify them that they are prohibited from seeking reimbursement and in most cases they withdraw their claims for reimbursement. Again, we do not reimburse these plans.