Normally, when you are ill or injured, you look to your own health coverage – whether through health insurance, health maintenance organization (HMO) or your employer’s self-insurance program – to take care of your bills. When you have been injured in an accident, it is not unusual for the injured party to allow health insurance to help pay your medical providers. This often opens doors for treatment and helps preserve your credit. Most health insurance plans have a right to reimbursed by you, out of the settlement you receive for the medical expenses that the health plan already paid. The health plan’s right to reimbursement depends on various factors, including your agreement with the health plan provider and varies with the type of health coverage you have.