The dust hadn’t even settled from Georgia’s tort reform shake-up when Texas started down the same path. Behind every new piece of legislation is a familiar sales pitch: tort reform will lower insurance premiums, reduce frivolous lawsuits, and clean up the litigation system.

But we’ve seen what really happens when lawmakers legislate without understanding the mechanics. They don’t just “reform” a system—they fracture it. And the people who pay the price? Patients, providers, and the very healthcare infrastructure that personal injury cases rely on to function.

In this new regulatory environment, one thing is clear: doing it yourself is no longer an option. Providers can’t afford to manage their own liens. Plaintiffs can’t afford missteps that delay care or jeopardize recovery.

That’s why independent servicing models matter more than ever—and why Gain was built from day one to deliver exactly that.

What Is Independent Servicing—And Why Should You Care?

Let’s start with what it’s not. Independent servicing isn’t just software. It’s not a tech layer tacked onto old habits. It’s not a one-size-fits-all “platform.”

At Gain, servicing means full-cycle lien management, from intake to enforcement, backed by systems, oversight, and operational controls that are purpose-built for personal injury. We’re not just a financial resource. We are a third-party servicer that operates independently from the healthcare provider and law firm.

That independence is critical. Here’s why:

• No bias. When providers service their own liens, they’re exposed to case outcomes, policy limits, and attorney influence. With Gain, those touchpoints are strategically managed.
• Independent by design. We separate the financial administration from clinical care and legal strategy—giving all parties confidence in the integrity of the process.
• No guesswork. We bring structure, documentation, and compliance rigor to a part of the revenue cycle management space that’s been overlooked for too long.

This Isn’t Just Rev Cycle. It’s Real Risk Management.

Let’s be honest: most PI revenue cycle management looks nothing like commercial payer cycles. That’s a problem.

With Medicare or commercial insurance, providers know the playbook—coverage rules, appeal timelines, payer portals, audit triggers. But in personal injury, the variables multiply: legal strategy, litigation timelines, lien negotiations, insurance policy disclosures (or lack thereof).

You can’t manage that risk with spreadsheets and good intentions.

At Gain, we bring the same discipline you’d expect from a top-tier billing service for commercial payers—but tailored for PI:

• Custom intake and eligibility protocols
• Transparent case tracking
• Data-driven decisioning on whether to accept new cases
• A deep understanding of case values and appropriate reimbursements
• Built-in controls for write-offs, reductions, and bad debt risk

Most important? We don’t just hand providers a platform and tell them to figure it out. We do the work.

Post-Reform, Compliance Isn’t Optional

In Georgia, we saw firsthand what happens when legislative assumptions override operational insight. New disclosure rules, caps, and evidentiary restrictions have already started to chill provider participation and squeeze reimbursements.

In Texas, SB 30 threatened to follow Georgia’s lead, introducing mandates around medical record disclosure and billing practices that would have further complicated an already fragile system. While the bill ultimately failed, it did so by a narrow margin.

For providers servicing their own liens in this environment, the risks are real: increased scrutiny, operational confusion, and potential noncompliance.

Independent servicing protects you. It creates an operational firewall that ensures your revenue cycle practices align with evolving legal standards. And it gives you the documentation and defensibility you need if bills are challenged or scrutinized in court.

We’re Not a Platform. We’re a Partner.

Plenty of companies are trying to pivot into “PI solutions” right now. Some have slick tech. Some have call centers. Few have both. And almost none have the operational depth to manage risk and deliver results at scale.

Gain does. We’ve been building toward this moment for years.

• We work with top-tier healthcare providers across the U.S.
• We service millions of liens with full audit trails and real-time performance metrics.
• We help our clients avoid bad cases before they end up on the books.

And we do it without ever compromising the independence, transparency, or patient care standards that make this model work.

Final Word: You Don’t Want to DIY This

Tort reform isn’t slowing down. Whether you’re in Georgia, Texas, or one of the next states in line, you need a partner who understands both the letter of the law and the realities of PI.

Gain is that partner. We don’t just talk about compliance—we operationalize it. We don’t just say we reduce risk—we show you where it’s hiding. And we don’t just give you tools—we deliver results.
If you’re still trying to navigate this landscape alone, it’s time to stop. You can’t afford to do it yourself.