Teresa Bell v. Blue Cross & Blue Shield of OK

COLLOTON, Circuit Judge.

This appeal concerns a dispute between Teresa Bell and two Blue Cross and Blue Shield insurance carriers that administer Bell’s government-sponsored benefit plan (“the Plan”). Bell was injured in a motor vehicle accident in Arkansas, and the Plan paid medical benefits on Bell’s behalf. Bell then received a payment from a different carrier that insured the party who was allegedly responsible for Bell’s injury.

The Blue Cross carriers contend that under the terms of Bell’s benefit plan, she must use any monies obtained from the alleged tortfeasor’s insurer to reimburse…