As plan sponsors and administrators examine their benefit plans in light of recent legal upheaval, now is our chance to implement important cost containment mechanisms. While only some changes are “mandatory,” while the “hood is open,” why not look around and make some other improvements? First and foremost, but often forgotten, is coordination of benefits, third party liability and subrogation. ”Subro” is one item that must be set forth in writing, and flow cohesively between the plan, stop-loss, network, and administrative service agreement. How recovery efforts are handled, who gets what (and when), and other subro-related issues can tie the elements of a strong plan together, or create gaping chasms between partners.