CareFirst and Seidel Subrogation

[Anonymous]

I've had a few and ignored them except for when I was in a car accident. That time I confirmed with CareFirst that they were legit and then called them. I was settling with the other driver's insurance company and I wanted CareFirst to get its money back. They put a lien on the settlement in the amount Carefirst had shelled out.

[Anonymous]

There is a clause in your contract that is "signed" when you signed up for your medical coverage stating they have the right to ask about other party liabilities. They then delegate that job out to third parties. These third parties are supposed to send these letters asking if there was an accident (involving a third party) or not. These companies are legally able to do this and are contracted by health insurance companies to do so. When I get them I reply no and send it back, sometimes I even call in give my file # and simply say no. That quick and simple things are handled and I only get 2 letters a year. It can seem frustrating but when I was in an accident I did give them that information and they where able to get my health insurance reimbursed without taking away from my settlement. I am actually very grateful to be receiving these letter now.

[Anonymous]

it reminds me of Bank Auditor's getting a job with the bank!

[Anonymous]

I wouldn't fill out this form.

[Anonymous]

Previous posters are wrong. Third party liability in this case refers to do you have another insurance provider who is the primary payor, such as Medicare, Tricare, or spousal insurance.

[Anonymous]

I got a form like that after I went to the ER with a badly infected cat bite (I called the insurance nurse line and they told me to go to the ER vs urgent care because those infections can get bad fast/sometimes require IV antibiotics). I just wrote back that it was my cat that bit me and that she doesn't have any money because paying jobs for cats are hard to come by.

[Anonymous]

Yes I got a letter today on Seidel and carefirst............I believe it can be hungry lawyers trying to find potential cases. The letters are put together nicely but I am not in favor of given information out. Could be a scam as well. With today's technology and advancements who knows.

[Anonymous]

Anonymous wrote:Now let me get this straight:

Mr. Seidel is a former Deputy Insurance Commisioner for the State of Maryland who regulated Insurance Companies like Carefirst

He now gets paid by Carefirst to send out Subrogation letters to Carefirst clients.

And he advertises his own law firm that represents insurance claims.

Nothing to see here.....just move on

Exactly! I have received these letters and I can tell you--the BIG legal question here is: The use of his OWN FIRM'S letterhead to pursue these claims. I believe the Bar should look into it.

[Anonymous]

Bar Counsel Maryland- http://www.courts.state.md.us/attygrievance/docs/complaintform.pdf

[Anonymous]

I just contacted CareFirst and they instructed me to NOT respond as this could be possible fraud.

[Anonymous]

Insurance companies are improving their bottom line in recovering theses costs which may not be their responsibility, but the responsibility of another party. The recovery companies are the "debt collectors" of the industry - they get a portion of the funds recovered. It's a numbers game - out of 100 claims, maybe 5 claims should have been filed under works comp or under auto medical riders. It doesn't cost the recovery company or the insurance company anything to ask. The more cases which are identified, the more money they earn in their cut.