Care can go uncompensated in situations where a patient is uninsured or underinsured and needs emergency care. Some examples of situations where a patient may be uninsured or underinsured are when the patient:

  • Has an insurance deductible that is too high, resulting in an inability to meet it.
  • Plans to self pay.
  • Has insurance from the Healthcare Marketplace that only pays a percentage of what is due.
  • Partakes in a non-fee based service.
  • Is an undocumented immigrant who isn’t penalized for not having insurance.
  • Cannot afford to purchase insurance from the Marketplace.

There are sometimes ways in which hospitals can recoup some of their costs like medical collections, state or local reimbursement plans, or through medicaid which pays pennies on the dollar for hospital bills. For cases in which third party negligence is involved, though, there is a better way to medical provider subrogation: TPES.

Get Compensated While Also Helping Your Patients

When an agreement is signed between a medical facility and TPES, our professionals consult with the collections arm of the medical facility and review patient records, searching for cases where third party negligence was responsible for a traumatic injury. Learn about the process from beginning to end on the Medical Provider Subrogation: TPES Model page.

TPES offers a win-win scenario for practitioner and patient in what could otherwise turn into a less than amicable situation. The traditional medical collections process can turn medical providers from friend to foe. A patient on the mend returns home and begins receiving constant calls and harassing letters from collection agencies. These calls can make a bad situation worse and even slow the healing process by creating a great deal of stress for the patient. The TPES approach is opposite; we turn the hospital into a help not a hindrance by proactively assisting patients with paying off their medical debt.

Act Immediately

Speed is best when seeking medical subrogation. A physician has the ability to recognize a situation where a third party is likely involved and where a patient may be underinsured or uninsured. Hesitating to bring in an investigator could result in a missed opportunity if the patient or his family signs on with a lawyer before going through the TPES program. In order to earmark settlement money to pay medical bills, action must be taken before the patient signs an agreement with an outside attorney. Additionally, limited windows of time exist for medicaid and self pay.

In order to ensure that TPES is able to be first on the scene, we train a patient advocate in each medical center who is educated in the details of the program. The advocate will make themselves available to introduce the company as a service the hospital offers to help patients avoid medical liens.