Welcome to Passion for Subro & Self Funding!

The purpose of this site is to share my passion for subrogation and the self insurance industry with all of you.  My goal is that this site will become your number one destination for health insurance information.
Whether you are looking for the latest on health care reform, the most recent subrogation and reimbursement case, or want to be a self funding guru this is the place for you.  While I hope that this site serves as a great educational resource for all of you, I also hope to keep you entertained with the funny, confusing and just plain weird world of subrogation and self funding.
I would love your feedback and any newsworthy items you may have to make this site even better.


Recent Posts

Relationships Matter in Resolving Claims Disputes

By: Jason Davis Phia received a $60K claim caused by a serious fall while the member was hiking. The member was taken to the nearest hospital which was out of network, an
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For Some, the Affordable Care Act Is a Lifesaver. For Others, a Burden.

By SONA PATEL and FAHIMA HAQUE After President Trump and the Republican-controlled Congress vowed to repeal and replace the Affordable Care Act, millions of Americans hav
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Diabetes patients sue 3 drug companies over alleged fraudulent insulin pricing

By Kelly Gooch Eleven diabetes patients are suing several drug companies for alleged collusion on insulin pricing, reports The Washington Post. The lawsuit was filed Mond
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Industry Trends & Demands, Alaska to Maine

By: Tim Callender, Esq. It’s about this time each year that travel really starts to kick in to high gear for numerous Phians.  From Adam, to Ron, to Mike, to Garrick, to
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Billing Itemization

By: Jon Jablon, Esq. Question: is a medical provider required to give an itemization as part of the billing? Answer: Generally no. Texas and Florida have passed legislati
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Beth Israel, Lahey in advanced merger talks

By Jessica Bartlett Beth Israel Deaconess Medical Center and Lahey Health have announced plans to combine forces for the fourth time, a move that would create an entity r
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What is ‘Repeal and Replace?’ A Guide to Trump’s Health Care Buzzwords

 By Benjy Sarlin President Donald Trump and GOP lawmakers have yet to come up with a plan to repeal and replace the Affordable Care Act. But in the meantime, there’
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Innovation at Its Finest …

By: Chris Aguiar, Esq. I’ve had the honor and privilege of meeting Dr. Keith Smith and have worked with several benefit plans who have utilized his Center as part of thei
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A Personal Experience

By: Adam Russo, Esq. Yesterday, I posted a personal experience I had with the very first employee benefit plan I ever designed – my own. The Phia Group’s self-funded empl
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Worries about Health Care Coverage Mandates

By: Brady Bizarro, Esq. One of the biggest unknowns of the Trump Administration’s health policy priorities is whether or not the new administration plans to repeal
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LOA = Continuation of Coverage, or does it? One of the “Gap Traps”

By: Kelly Dempsey, Esq. It’s intuitive to think that a leave of absence (LOA) from employment is coupled with a continuation of health plan coverage (CoC), especially if
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Egregious Billing Hits the Common Man – Who Now Has a Place to Vent Their Frustration

By: Garrick Hunt For those of us who are embedded in the health care industry, we know that the greatest issue with health care in America is the price tag. For the avera
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Keeping the “Benefit” in Benefit Plans

By: Ron E. Peck, Esq. Once upon a time, employers offered employees “benefit plans,” with an eye toward attracting and retaining a talented workforce.  The word – benefit
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The Big Elephant in the Room….

By: Michael Branco From day one, over 16 years ago, we have offered overpayment recovery services, but over the last year, I have seen the largest growth in this service.
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HIPAA Special Enrollment vs. Section 125 Permitted Election Change – There is a difference!

By: Jennifer McCormick, Esq. An individual may want to adjust their health plan enrollment. For example, if a plan member’s spouse loses plan coverage due a reduction in
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