Arkansas Blue Cross and Blue Shield makes our members' health-care financing needs
a priority. When our members are injured, we ensure their medical bills are paid
according to their policy, even if the injury fault lies with another person or
What Is Subrogation?
In health insurance, subrogation refers to the legal right of an insurance company
— after payment of a loss — to recover monies from the responsible party's
insurance carrier. For Arkansas Blue Cross, it refers to those times when another
insurance carrier may be responsible for payment of medical care. For instance,
when an injury occurs because of an accident in which someone other than the plan
member is at fault, the insurance carrier of that individual may be responsible
for the payment of the plan member's medical treatment. In those cases, Arkansas
Blue Cross may be entitled to recover the value of the services from the other carrier.
However, we will pay for the medical treatment of our members immediately, so that
our members are not burdened by waiting for the responsible party to pay.
Arkansas Blue Cross uses Healthcare Recoveries (HRI), a division of Trover Solutions,
Inc., to help in recovering subrogation claims. HRI is an independent company that
operates separately from Arkansas Blue Cross and is solely responsible for assisting
in the recovery of subrogation claims. If you or a covered family member are injured
in an accident, you will receive a letter from HRI that asks for you to call their
Customer Service department to provide details regarding how the injury occurred.
If the injury was caused by someone else, on another party’s property or in an automobile
accident, HRI will contact the responsible party and request reimbursement to Arkansas
Blue Cross for the cost of the medical care provided because of the injury.
A successful subrogation program helps Arkansas Blue Cross keep the cost of health
care reasonable for you and your employer. We appreciate your cooperation with HRI.