USAble Mutual Insurance Company


Sometimes a covered person is hospitalized or disabled as a result of someone else's negligence or wrongdoing. After your plan pays a covered person's hospital claim caused by someone else's negligence or wrongdoing, your plan can be reimbursed by legally seeking restitution from the person who caused the covered person's injury. This process is called subrogation.

USAble Mutual Insurance Company uses the services of Healthcare Recoveries, Inc. (HRI) to recover claim dollars paid out by your plan to a covered person who has been wrongfully injured by someone else. HRI recovers these dollars from the responsible party's insurance company. USAble Mutual uses this reimbursement to reduce claims costs for its client groups.

NOTE: Subrogation is not the same as coordination of benefits.