Q: I was in an accident. My HMO paid my medical bills. I am now settling with the other party’s insurance. Do I have to pay back my HMO?
A: Most likely, they can be reimbursed for money they paid for your medical bills. This is sometimes called a right of reimbursement. It means the HMO, or the insurance company, can recover for medical services they paid for if you recover from the at fault party.
In order to analyze this, you need a copy of your plan. If the settlement is not including all of your medical bills, you may be able to argue to the insurance company that they should not be reimbursed in full either.