"In a hypothetical situation in which the insurance company overpaid a patient who then sent along the payment to the provider, 'our general feeling is that ... the insurance company has no business coming back to the insured and asking for the money back,' says [an] associate commissioner for insurance for the D.C. Department of Insurance, Securities and Banking. In many states, an insurer can pursue most overpayments for no more than a couple of years. But self-insured companies -- those that pay their own employees' health claims directly rather than buy insurance for that purpose -- aren't bound by such laws, nor are the health plans offered through the Federal Employees Health Benefits Program[.]"  MORE >>