Know exactly who to pay.

Questions, answered.

How does Closeout know who actually handles a carrier's liens?

Behind most commercial carriers is a recovery vendor that works the file, Optum for UnitedHealthcare, Rawlings or Equian for others. Closeout maps each carrier to that vendor and the remit-to and contact that go with it, so the check reaches the entity that can actually release the lien, not the carrier's front desk.

How does it tell a self-funded ERISA plan from a fully-insured one?

It reads the plan documents and the member ID for the markers that separate the two, and shows you the plan line to confirm. That single fact sets your leverage: self-funded ERISA plans carry strong federal reimbursement rights, while fully-insured plans are held to your state's made-whole and anti-subrogation rules.

What about Medicare, Medicaid, and other liens?

Subrogation Intelligence is for commercial health carriers and the recovery vendors behind them. Medicare, Medicaid, and Medicare Advantage run on their own statutory process and conditional-payment timelines, so Closeout handles those on a separate track rather than treating them like a commercial payoff.

Is my firm's track record and team notes visible to other firms?

No. Your reductions, notes, and carrier history stay inside your firm. The track record you see on a carrier is built from your own closed cases and your team's notes, never pooled with or shown to anyone outside your firm.

Does Closeout negotiate the lien, or just tell me where to start?

Closeout gives you the ground to stand on: who to pay, what to send, the plan line, and what your firm has won on that carrier before. Your team still runs the negotiation and makes the call. The difference is you go in with leverage instead of guesswork.