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Unless you have been involved in an accident where your health or auto insurer was reimbursed for payments it made, you probably do not know what a subrogation claim is — but here is why you should.

Black’s Law Dictionary defines subrogation as “the substitution of one person in the place of another with reference to a lawful claim, demand or right, so that he who is substituted succeeds to the rights of the other in relation to the debt or claim, and its rights, remedies and securities.” In practical terms, this means that when your involved in an accident and your health insurance company, or Medicaid, Medicare, etc. pays for your accident related medical bills, they get to seek reimbursement out of your personal injury settlement.

Here is a listing of some of the players in the subrogation marketplace:


Allegiance, a Cigna Company (insures Collier County Government employees including School District)

2806 S. Garfield
P.O. Box 3018
Missoula, MT 59806-3018
Tel: (406) 721-2222
Fax: (406) 523-3111


Conduent, formerly Xerox (Representative of Cigna)

P.O. Box 3008
Naperville, IL 60566-7008
Tel: (866) 675-2476
Fax: (847) 890-6182

The Phia Group

The Phia Group (Representative of Allegiance)

163 Bay Street Drive
Braintree, MA 02184
Fax: 781-884-4070

Florida & Federal Blue Cross

Florida & Federal Blue Cross:

The Rawlings Group
P.O. Box 2000
LaGrange, KY 40031
Fax number: (502) 753-7330
Toll Free: (800) 928-1279 ext 4269



Florida Medicaid Casualty Recovery Program
c/o hms Conduent
P.O. Box 12188
Tallahassee, FL 32317-2188
Tel: (877) 357-3268
Fax (844) 845-8352

Veterans Administration

Veterans Administration:

Bay Pines VA Healthcare System
10000 Bay Pines BLVD
Bay Pines, FL 33744
(727) 395-2389
(866) 400-1238 (for medical bills)
Fax (727) 540-3917
Visit www.va.gov/ogc/collections.asp for the notice form.



Medicare Coordination of Benefits & Recovery (for reporting new claims)
P.O. Box 33847
Detroit, MI 48232
800 999-1118

Medicare Secondary Payer Recovery Contractor (MSPRC)
P.O. Box 138897
Oklahoma City, OK, 73113



Shirley Garris, MEDCARE Claims Examiner
Department of the Navy
Office of the Judge Advocate General (Code 15)
Medical Care Recovery Claims Unit
153 Ellyson Street, Suite C
Pensacola, FL 32508-5526
Phone: (850)452-5346
Fax No: (850)452-9179
email: shirley.garris@navy.mil


Optum (Third Party Administrator for United HealthCare)
11000 Optum Circle
Eden Prairie, MN, 55344
(888) 870-8842
Fax (800) 842-8810
E-mail:  Team1@optum.com


United HealthCare Claim Division

United HealthCare Claim Division (AARP Medicare Supplemental)
P.O. Box 13999
Philadelphia, PA 19187-0216
(800) 523-5800

Settlements can be reached with these providers as part of the claims and settlement process. Each case is different. Due to the complexities of medical causation, limits on insurance, the clarity or lack thereof of the language of the health plan’s contractual and or legal claims, compromised and equitable reimbursements are obtainable during the settlement process.

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