Health Insurance pays medical benefits in accordance with a policy that you obtained individually, or through an employer. If you have ever had health insurance, you are undoubtedly familiar with the basic way in which this works: you get sick and see a doctor who examines and treats you. If you’ve met your deductible, health insurance will usually cover most of the resulting medical bill (I won’t get into the intricacies of in-network, out-of-network, co-payments, co-insurance, etc…). The same basic principle applies if you are injured.
Generally speaking (in a non-personal injury claim situation), you do not reimburse your health insurance even though they had to pay your doctor for services rendered (this is the bargain derived from your health-insurance policy – i.e. you pay premiums every month, even if you are not sick. In exchange, the health-insurance company agrees to pay some, most or all of a medical bill that may arise when you do become ill, subject to certain exceptions and limitations).
But, if your injury was caused by the negligence of another, and you make a financial recovery against that negligent party; you will likely have an obligation to, at least partially, reimburse your own health-insurance company.
In a prior personal injury blawg post, entitled: What’s my case worth? I discussed what you are typically able to recover in a successful personal-injury action, which includes medical bills.