Yes. In Virginia, you are always going to be better off to have your health insurance company pay the bills. In many cases, you may owe money back at the end of your case to your health insurance company due to subrogation. But even with subrogation, you are going to come out “ahead” if you’ve used your health insurance benefits. In many cases, we are able to negotiate a reduction in the subrogation claim at the end of a case.