Medical Lien and Subrogation Calculator
Calculate how much of your personal injury settlement may be owed to health insurance or Medicare.
⚖️ Legal📐 Net = Settlement - Attorney Fee - Medical Liens
Gross settlement ($)
Attorney fee %
Total bills paid by health insurance ($)
Medicare/Medicaid paid ($)
Please enter valid values.
Formula & Reference
| Variable | Formula | Units |
|---|---|---|
| Medical Lien and Subrogation Calculator | Net = Settlement - Attorney Fee - Medical Liens | $ |
Step-by-Step Examples
Example 1
Standard PI Case
$200K settlement, 33% attorney, $45K bills, no Medicare.
- Attorney: $66K | Health lien: $14,850
- Net: $119,150
✓ ~$119,000 net
Example 2
Medicare Lien Case
$300K, 33% attorney, $60K bills, $40K Medicare.
- Attorney: $99K | Liens: $59,800 | Net: $141,200
✓ ~$141,000 net
Example 3
Large Case
$1M, 40% attorney, $200K bills.
- Attorney: $400K | Lien: $66K | Net: $534,000
✓ ~$534,000 net
Real-World Applications
PI Clients
Understand liens before accepting a settlement.
Plaintiff Attorneys
Estimate net recovery for clients.
Medical Billers
Understand lien recovery in PI cases.
Legal Researchers
Analyze lien impact on settlement distributions.
Common Mistakes to Avoid
⚠️
Settling without addressing liens
Lienholders can still come after you after settlement. Always resolve liens as part of settlement.
⚠️
Medicare liens are not optional
Federal law. Ignoring them after settlement creates double liability.
Frequently Asked Questions
What is a medical lien? ▾
A legal claim by an insurer, hospital, or government program to recover medical costs they paid from your settlement.
Can liens be negotiated? ▾
Yes — most can be reduced. Medicare liens especially can often be negotiated down.
What is subrogation? ▾
The insurer's right to recover from the third party who caused the injury.