Subrogation Intelligence
Know exactly
who to pay.
Closeout traces each plan to the entity that actually holds the lien, so your payoff request reaches the right party the first time.
Request a demo- Recovery vendor
- Optum
- Contact
- Optum Recovery Services
- Phone
- 888-870-8842
- Remit-to
- PO Box 2789, Warminster, PA 18974
- Payment
- Check or ACH
Plan line: self-funded ERISA (UMR) → strong recovery. Negotiate on the plan's language.
Everything behind the carrier
One search. The whole carrier.
Every carrier, one search
Find any commercial health carrier and the recovery vendor behind it as you type, so you start from the right entity, not a guess.
Who the check goes to
The recovery vendor behind the carrier, the verified contact, and the exact remit-to address.
What to send with it
The claim reference and required documents, so the payoff isn't kicked back.
How hard you can push
Self-funded ERISA or fully insured - the plan line, and the leverage that comes with it.
What your firm already knows
Notes from the attorneys and paralegals who worked the carrier before: what moved the number, what got the payoff kicked back.
What they've actually accepted
Every lien you close feeds the next, the reductions your firm has won and the range each carrier tends to accept.
Questions, answered.
Behind most commercial carriers is a recovery vendor that works the file, such as Optum for UnitedHealthcare. Closeout's directory maps each carrier to that vendor, with the verified contact and remit-to, so the request reaches the entity that can release the lien. When a carrier is new to us, Closeout's team researches the route and adds it.
The directory carries the plan line, and Closeout reads the plan language in your documents for the markers that separate the two. You confirm it. That one fact sets your leverage: self-funded ERISA plans carry strong federal reimbursement rights, while fully insured plans answer to your state's made-whole and anti-subrogation rules.
They are found and tracked on the same case, but each runs on its own process: Medicare and Medicaid on their statutory recovery steps, workers' comp through the carrier's own claim. Closeout keeps them on their own track rather than treating them like a commercial payoff.
No. Your notes, reductions and carrier history stay inside your firm. The track record you see on a carrier comes only from your own closed cases.
Subrogation Intelligence
Stop guessing who to pay.
Know who is owed, and how hard you can push.