Excerpt: [A] number of employers are not adequately using a tool that their plan already contains in the fight against rising health care costs - reimbursement through subrogation.... ERISA allows employers the right of subrogation, so many group health plans contain what is commonly called 'subrogation' provisions. Generally, these provisions state that the plan is entitled to reimbursement from the participant of any medical expenses the plan previously paid that the participant later recovers from another party responsible for those expenses.  MORE >>