Date: Thu, 18 Dec 1997 09:59:13 GMT Server: Apache/1.2.0 Last-Modified: Thu, 09 Oct 1997 19:51:05 GMT ETag: "3811c8d-12bb-343d35a9" Content-Length: 4795 Accept-Ranges: bytes Connection: close Content-Type: text/html
Home | Case of the Quarter | Investor Relations | Future Pages | Talk to HRI What is Subrogation? Subrogation is a contractual right held by health care payors to recover medical expense dollars when one of their plan participants is injured, and the injury is the liability of another party. The term subrogation is not the only one used to describe the activity of recovering the medical costs of accidents. Depending upon state or federal ERISA laws, available coverages and the plan's language, a recovery program could be called subrogation, right of reimbursement or third party liability. HRI has the expertise to utilize all available policy provisions and to recover your paid medicals from a variety of sources, including:
Self-insured employer groups, including those with employees in multiples states, are allowed to subrogate their claims expenses regardless of individual state subrogation laws. This is allowed due to the ERISA preemption, which was tested and stood under the scrutiny of a Supreme Court ruling. HRI's Subrogation Management Process HRI's subrogation service is an industry leading combination of knowledgeable recovery examiners, proprietary software and tailored management processes. Our SubroSystem greatly automates the complex recovery process from electronic sourcing and processing of claims data to efficient daily management of recovery files -- and on to settlement. The SubroSystem enables our examiners to fully apply their knowledge and experience to maximize recoveries. And, the process employed at HRI increases efficiencies; allowing examiners to expertly manage more files, thus increasing recoveries for our clients. The HRI subrogation management process is truly a financial tool which helps to control the costs of health care. HRI offers three types of recovery services: Ongoing Recovery Services - HRI will provide comprehensive recovery services for your employees from the date of agreement forward. Retrospective Review - In a retrospective review project, HRI will investigate accident-related claims which have been paid in a prior one or two year period. The goal of a retrospective review is to find and recover accident files which were previously missed. The result of the Review is "found money" for the employer. Pending Files - HRI can assume responsibility for all pending files currently under recovery by the employer or its administrator. This service allows the employer to immediately centralize all subrogation activity with HRI. For more information about HRI and our services please direct your e-mail to Manager - Sales and Marketing. Home | Case of the Quarter | Investor Relations | Future Pages | Talk to HRI | ||