How Carelon Subrogation enhances health plan member satisfaction
Member enrichment and cost containment in one full-service solution
Health plans today face a dual challenge: protect financial performance while improving member experiences. Carelon Subrogation meets both needs by making health insurance subrogation more efficient, less intrusive, and more member-focused. There are multiple ways subrogation services can have a positive effect on member experience, including:
1. Premium cost containment and enhanced offerings
A strong subrogation strategy drives health insurance cost containment and helps in reducing healthcare costs. Carelon helps recover funds when another party is liable — not the health plan. These recoveries help plans:
- Offer lower premiums.
- Fund improved member benefits.
- Maintain access to quality care.
Since 2021, Carelon internal data shows that we have recovered over $2B for clients. That financial flexibility supports richer member offerings and lowers the burden on health plans.
By improving health insurance subrogation performance and recovering costs effectively, Carelon enables plans to reinvest in what matters: better service, stronger coverage, and more satisfied members.
2. Stress-free experiences that build member confidence
Members shouldn’t be burdened by confusing or repetitive paperwork. Our tech-enabled, streamlined subrogation discovery:
- Identifies subrogation opportunities proactively, minimizing member involvement.
- Manages administrative details behind the scenes.
- Promptly and clearly engages members only when necessary.
Carelon’s Subrogation model leads to:
- Fewer member complaints through simplified interactions.
- Faster resolution, easing service center workload.
When subrogation is managed seamlessly, members feel more supported and less frustrated.
3. Clear communication and engagement
Subrogation is complex — but it doesn’t have to be confusing. Carelon simplifies communication through:
- Secure, easy-to-navigate digital tools.
- Empathetic, plain-language messaging.
- Proactive outreach when action is needed.
Members stay informed and reassured. This transparency builds trust, strengthens loyalty, and supports efforts for improving member experiences.
Better subrogation drives better retention
Effective subrogation contributes to health plan member retention by:
- Reducing unnecessary outreach, engaging members only when necessary.
- Streamlining information gathering, making interactions simpler and clearer.
- Efficiently recovering funds to support ongoing investments in member-focused services.
When members trust that their plan is acting in their best interest — financially and personally — they’re more likely to stay.
Why Carelon Subrogation is the smarter choice
Carelon supports over 47 million members across diverse plans, with more than 30 years of subrogation experience. This level of expertise helps plans achieve meaningful outcomes, enhance health plan member satisfaction, and maximize recoveries. Explore our full offerings at the Carelon Subrogation services page.
Subrogation FAQs
What is subrogation in health insurance?
It’s the process of recovering medical expenses from a third party responsible for a member’s injury or illness. Jump to explanation
What is Carelon Subrogation?
Carelon Subrogation is a comprehensive solution designed to maximize third-party liability recoveries. It takes a member-first approach, leveraging data analytics and automation to streamline processes, reduce member friction, and enhance the overall member experience. Jump to overview
How does subrogation reduce health insurance costs?
Effective subrogation ensures that health plans recover costs appropriately, which lowers premiums and funds stronger member benefits. Jump to cost containment
Carelon Subrogation goes beyond recoveries.
It enhances health plan member satisfaction, drives efficiency, and protects both the plan and its members — building long-term loyalty.
