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How We Increase Financial Results

Stop Dollars from Slipping Through the Cracks

Subrogation is often a silent drain on health plans’ financial performance. Missed cases, overlooked small-dollar claims, and incomplete liens all chip away at potential recoveries — often without anyone realizing the scale of the loss.

Intellivo eliminates the common causes of financial leakage in subrogation.

Industry professional increasing financial results

We Find and Pursue More Subrogation Opportunities

When Identification Falls Short, Recoveries Do, Too

Higher recoveries are only possible when every reimbursement opportunity is identified. But for most health plans, the real challenge is ensuring subrogation opportunities are not overlooked. Reliance on ICD and CPT codes within paid claims can indicate an injury, but not the cause of the injury or who was involved. When questionnaires sent to plan members asking for this information go unanswered — or come back incomplete — plans are left in the dark. There’s no easy way to see which accident injuries involved another party, which claims could have been reimbursed, or how much money quietly slips away.

This reliance on member input means many valid cases are never even visible to the plan, let alone pursued — leaving substantial dollars unrecovered.

Higher Recoveries Through Smarter Identification

At Intellivo, higher recoveries don’t happen by chance — they happen because we excel at finding more opportunities to pursue. Our platform combines advanced claims analytics with a broad network of external data sources, uncovering liability details that traditional, member-dependent methods routinely miss.

By identifying more valid cases up front and managing them with precision, we help health plans capture dollars that would otherwise be overlooked. The result is stronger financial outcomes, reduced leakage, and greater confidence that no recoverable opportunity is left behind — all without disrupting your members.

We Pursue All Reimbursements No Matter the Amount

How Deprioritizing Small-Dollar Claims Reduces Overall Subrogation Recovery

Subrogation efforts often center on large-dollar cases, while smaller claims are dismissed as not worth the effort. Yet when left unchecked, these missed opportunities accumulate — quietly costing health plans hundreds of thousands or even millions annually.

Intellivo’s Technology Allows for All Subrogatable Opportunities to Be Pursued

At Intellivo, every recovery matters. Our automated workflows make it cost-effective to pursue both large and small-dollar claims, ensuring no recoverable payment is overlooked. Whether the reimbursement opportunity is $500 or $500,000, we make sure it’s identified, validated, and pursued — driving consistent financial gains over time without added administrative burden.

We Identify Every Claim to Capture the Complete Episode of Care

The Financial Impact of Incomplete Claim Compilation

The amount a plan recovers depends on capturing the full scope of related treatment costs. When only a portion of the care is counted, the plan is left with less than it is rightfully owed. For example, a claim might include only the initial emergency visit, while related services – imaging, physical therapy, follow-up surgeries – are left out. These overlooked charges often make up a significant share of the total cost of care.

The result: diminished recoveries and preventable financial leakage that erodes the value of subrogation.

Intellivo’s Full-Episode Care Aggregation Ensures Maximum Recovery

Our system accurately and automatically aggregates all claims tied to a single injury episode, building a complete total over time that reflects the total care delivered.

This comprehensive approach maximizes recovery value and protects plans from settling for partial reimbursements. Every visit, procedure, and treatment related to the injury is accounted for, ensuring that no reimbursable dollar is missed.

More About How We Do It

Recover More. Stress Less. Let’s Talk.

Subrogation doesn’t have to mean disruption. Intellivo delivers better results — for your plan, your team, and your members