Built on data every hospital and insurer is already required to publish

We believe every hospital deserves to know what it’s actually paid.

And what the hospital down the road gets paid. The numbers are already public. We make them usable, so the people who run hospitals can walk into every negotiation with the truth in hand.

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One hospital · one insurerMRI lumbar spine · 72148

Same insurer, other hospitalsmiddle of 27 in the state

$1,403

This hospitalsame insurer, same coverage

$239

Source: hospitals’ own files Same insurer Commercial coverage Checked line by line

The insurer pays this hospital’s commercial members the rate it pays under its own Medicare Advantage plan. Nothing here is modelled; every number on this site carries the file it came from and that file’s date. Hospital file dated 20 April 2026 · compared 2 October 2026.

Billions

of professional rate entries — what insurers have agreed to pay individual clinicians, from their own published files — and growing every day

Millions

of prices hospitals publish about themselves, in their own files

50 states

national carriers, the Blues, regional and Medicaid managed-care plans

analytical questions answering live in the product — checked 2 October 2026

New this week

What a hospital report shows now

One hospital, one scan, five ways of reading it. Every figure below comes from one hospital’s own published price file and the files of the hospitals around it. The hospital is not named; nothing is modelled.

The same insurer pays this hospital a fraction of what it pays everyone else

Outpatient CT of the head without contrast, commercial coverage. The hospital’s own file shows one insurer paying its commercial plan the same $104.71 it pays under that insurer’s Medicare Advantage plan.

This hospital

$105

Same insurer, 7 other hospitals in the state (middle)

$1,646

$1,541 per scan, from one insurer

Same insurer, same commercial coverage, same code, same outpatient setting. Each other hospital counts once, and none is named. If fewer than two other hospitals publish a comparable rate, the comparison is withheld rather than shown.

Hospital file dated 20 April 2026 · compared 1 October 2026 against 7 hospitals in the same state · negotiated rates, not billed charges

How each contract is built, read from the hospital’s own file

A dollar figure is the end of the story. The structure behind it is where a renewal is won.

Who	How the contract pays	What the file shows
Four commercial insurers	A percentage of billed charges	The same 85%, on one identical schedule
A fifth insurer, commercial plan	A fixed case rate	The same amount as its Medicare Advantage plan
Medicare Advantage plans	A fixed case rate	At the market, within a few dollars
Managed Medicaid plans	A fee schedule	What was allowed in claims is labelled, never passed off as a rate

When four insurers share one percentage, the hospital’s own price list sets what all four pay. When a commercial plan quietly pays a Medicare Advantage rate, nobody notices until someone reads the file line by line.

Hospital file dated 20 April 2026 · read 1 October 2026

What the data actually looks like

Four things we can show you right now

Every figure below is measured from published files. Nothing here is modelled, and nothing here is a demo dataset.

Like for like, or not at all

Before any two prices are compared, the product proves they are the same insurer, the same kind of coverage, the same part of the bill and the same amount of drug. If it cannot prove it, it holds the line back and says why. What that changed in two real hospitals’ reports:

What was compared	Before	After
A 40-bed hospital’s headline	A $1,212 “gap” that was a radiologist’s reading fee set against the scan	Held back. The real finding is the MRI at the top of this page
The same hospital, insurer against insurer	12 of 12 top items were drugs priced per milligram against per vial	None. Mismatched units held back
Blue Cross plans	0 comparisons	3,441, in a market of Blue Cross plans only
A 25-bed critical access hospital’s commercial plans	14 rows recognised	663

Checked line by line against each hospital’s own published file, 2 October 2026. Neither hospital is named.

The same data, read two different ways

A real dataset, measured against Medicare. One switch is the difference between a state that looks underpaid and a state that is not.

Remove administrative placeholder rows

20.9% below Medicare — as the files are published

Read the file as it arrives and Texas looks like a state where hospitals are paid less than Medicare across the board. Every conclusion you draw from here is wrong.

Some rows in these files are not prices. They are administrative placeholder values repeated across unrelated procedures. Leave them in and they drag an entire state below Medicare. This is the difference between having the data and being able to read it — and it is the part nobody sees until they have spent months inside these files.

How much is at stake depends on where you are

The same procedure and the same insurer, compared across every facility in the market. Two very different pictures.

A small marketfewer facilities, narrower spread

1.26×

Houston metro77–97 facilities per procedure

4–6×

In a thin market the question is whether you are paid fairly against Medicare. In a dense one the facility down the road may be paid four to six times what you are, by the same insurer, for the same code. Both are answerable. They are not the same conversation.

Sources: hospital and payer machine-readable files, scanned 1 September 2026 · Institutional rates on 35 benchmark procedure codes · Houston comparison across 77–97 facilities per procedure.

Both sides of the same contract

The hospital publishes what it says it is paid. The insurer publishes what it says it pays. They are describing the same contract, and nobody has been putting them side by side.

The hospital’s file

What this hospital says it is paid for the procedure

Filed by the hospital, under the price transparency rule.

The insurer’s file

What the insurer says it pays that same hospital

Filed separately by the payer, in a different format entirely.

Matched on facility, procedure code, setting and modifiers — then compared.

Where the two disagree, one of them is wrong, and the hospital is usually the last to know. This is the comparison hospitals haven’t had, because it requires reading both sets of files properly and matching them at the facility level first. Incompatible plans and mismatched components are excluded rather than forced to line up, and where more than one rate could match, we mark it ambiguous instead of picking one.

Questions nobody could answer until now

Not because the data was secret — it has been public for years. Because it was unusable. These are answerable today.

Against the same insurer

What does this insurer pay every other hospital in my state, for the same code?Same insurer, same coverage, same setting, across every code you publish. The other hospitals stay anonymous.

Which of my contracts are a percentage of my own charges?And which insurers sit on one identical schedule, so a change to your price list moves all of them at once.

Is a commercial plan paying me a Medicare Advantage rate?It shows up as the same dollar figure under two different coverages. Easy to miss, expensive to keep.

What was actually allowed, not just agreed?The median, 10th and 90th percentile amounts hospitals now publish, kept beside the contract rate and never mistaken for it.

What you are paid

Which service lines have the lowest commercial-to-Medicare ratio?The one that started the company. Find the line you are paid worst on, before someone else tells you.

Which negotiated rates are below Medicare’s published benchmark?A commercial payer paying you less than Medicare. It happens, and it is hard to defend once it is on paper.

How do we compare to what Medicare actually paid out?Not the published benchmark — the realized payments. Different number, and almost nobody uses it.

Where do the hospital file and the payer file disagree?Two public sources describing the same contract. When they diverge, someone is working from the wrong number.

Is our negotiated rate higher than our own cash price?It happens more than anyone expects, and it is indefensible the moment somebody notices.

Does what we publish match what our insurer publishes about us?Two files, two formats, one contract. Where they disagree, somebody is going to ask why.

Where you stand in your market

Which of our prices are above market, and which are below?Facility by facility, payer by payer, against everyone else publishing in your market.

Where are our widest price spreads?The same procedure, the same hospital, two payers — and the gap between them.

Which of our prices are least defensible?The ones that will not survive a payer asking you to justify them.

Which facilities are market outliers?Yours and everyone else’s — because an outlier next door changes your negotiation too.

What to actually do about it

Where should we defend our price, and where should we reposition?Not just the number. The recommendation, ranked by what it is worth.

Should this service line standardize or specialize?Across your facilities, where consistency pays and where differentiation does.

What should we take into the next renegotiation, in order?Pricing action priorities, weighted by the dollars behind each one.

Which data gaps are costing us the most?Facilities with no published rates, payer attribution gaps, identity conflicts — ordered by the leverage in fixing them.

The whole episode, not just the hospital

What does the surgeon get paid, not just the facility?Individual physician rates alongside facility rates — the part of a procedure nobody else lines up.

Who owns the facilities in our market, and what else do they own?CMS ownership records, followed by identifier to every other facility that shares an owner — with federal exclusions checked.

What does the same procedure cost across every facility near us?Same code, same insurer, every facility in the market, side by side.

Ask it anything else, in plain languageAnd it cites the source and the date behind every number it gives you.

The raw material

This is what a published rate file looks like

One code, one insurer, one network — and three different prices, none of which announces which one belongs in a comparison between two hospitals.

Three prices for the same code The whole service, the reading only, and the equipment only. Average them together and the answer is wrong before you start.

The facility is a number provider_references points into a separate list. The hospital’s name is somewhere else in the file, or in another file entirely.

And it is reissued every month last_updated_on is the date that matters, not the day anyone downloaded it.

Transparency in Coverage · in_networkas published

"billing_code": "76946",  "billing_code_type": "CPT",
"name": "ECHO GUIDE FOR AMNIOCENTESIS",
"negotiated_rates": [{
  "provider_references": [1170832],
    "negotiated_prices": [
    { "negotiated_rate": 28.84,
        "billing_class": "professional" },
    { "negotiated_rate": 15.92,
        "billing_code_modifier": ["26"] },
    { "negotiated_rate": 12.92,
        "billing_code_modifier": ["TC"] } ]
}],
"last_updated_on": "2026-08-01"

Structure and values as published by a national carrier, file dated 1 August 2026. Provider identifiers left out; nothing here is modelled.

From a public file to an answer

What happens in between

Anyone can download a rate file. The work is everything that happens after it lands.

1Fetch

Find every file, every month

Insurers and hospitals republish on their own cycles. We re-pull and re-read rather than working from whatever we loaded first.

50 states

2Read

Parse at a scale most tools cannot

A single insurer file can carry hundreds of millions of rates. One file, read end to end, is a day’s work for a machine.

696M rates

3Match

Tie each rate to a real facility

Rates arrive attached to provider groups, not to hospitals. Resolving which building a rate belongs to is the hard part.

12.1M links

4Qualify

Throw out what cannot be compared

Professional against facility, placeholder rows repeated thousands of times, mismatched components. Excluded, not forced to line up.

Refused, not guessed

5Date

Keep the file and its date

The release date inside the file wins over the filename. The file is archived with a checksum, so any number traces back months later.

Every number dated

One payer. One hospital. One code.

Four of that insurer’s own files, published the same day

Operating room services at a single hospital, in one insurer’s transparency files. Same code, same building, same publication date — and these are the prices that insurer published for it.

Source file	Lowest	Highest	Rates
File 1 of 4	$246	$246	6,965
File 2 of 4	$7,950	$72,723	1,640
File 3 of 4	$8,808	$62,431	1,520
File 4 of 4	$6,416	$6,416	1,326

Read from published files dated 27 July 2026, measured 20 September 2026. $246 in one file and $72,723 in another, for the same code at the same hospital from the same insurer. Nobody reading these files by hand would find that — and a hospital negotiating against the wrong one of those numbers is negotiating against nothing.

Figures above are from a single insurer file processed end to end on 16 September 2026, with stored totals matching the source checksum. Across all insurers we hold billions of professional rate entries, covering millions of individual clinicians, and the number rises every day.

Every answer shows its work

You can see exactly which source produced each number, because a rate you cannot defend is a rate you cannot negotiate with.

Facility-reportedWhat the hospital publishes in its own machine-readable file.

Payer-reportedWhat the insurer publishes under Transparency in Coverage.

Medicare referenceThe published federal benchmark for the same code.

Medicare realizedWhat Medicare actually paid out, not just what it lists.

Medicaid referenceThe state layer almost nobody has normalized.

Provider registryWho each provider is — organizations and individual physicians.

Medicare & Medicaid paymentsWhat each provider was actually paid, clinician to hospital, by procedure.

Post-acute careHospice, home health, skilled nursing, inpatient rehabilitation and long-term care hospitals.

Ownership & enrollmentWho owns and controls each facility, as filed with CMS, with the date of the record.

Federal exclusionsProviders excluded from federal healthcare programs.

What it refuses to tell you

The comparisons it will not make are the reason to trust the ones it does.

Like for like, or not at allBefore any two prices are compared, we confirm they are the same insurer, the same kind of coverage, the same part of the bill and the same amount of drug. Every comparison we show meets that test; where one can’t, the line is held back and the reason is shown.

Professional is not facilityEvery rate is classified before it is compared. Where the file doesn’t say which part of the bill a price covers, the line is held back rather than guessed.

Floor values are strippedPublished files repeat the same $50 or $114 thousands of times. Those are not facility rates. Average them in and the answer is confidently wrong.

Invalid comparisons are refusedEffective dates, temporal alignment, completeness, plausibility of attribution. Where a comparison should not be made, it says so.

It does not stop at the cheapest rowsEvery matching rate goes into the answer, the expensive end of the market included. An average built on the first few hundred rows is not the market.

A weak match says so on its faceWhere a payer publishes a rate against a provider group that maps to a whole organisation rather than one building, the answer carries that warning beside it — rather than quietly averaging it in with the facility-level rates.

Implausible rates are excluded — and countedWhen a published rate cannot be a real price for that provider, it is left out of the answer and the number left out is shown beside it. Where it cannot be told either way, the rate stays in, marked unverified. We exclude what can be shown to be wrong, not what we cannot see.

We do not price the patientWe hold the allowed amount, not deductibles or out-of-pocket balances. Anyone showing you patient responsibility from this data is modeling it, not reading it.

And what else is in it

The rate comparison is the reason people come. It is not all that is here.

Ask it in plain languageFind facilities, identify the codes two of them share, compare their rates, load your analytics — with the source and date behind every answer.

Payments and ownershipWho was paid what, who owns each facility, and what else those owners own. Sharp payment jumps are flagged for review — a lead to look into, never a verdict.

An investigation assistantAsk about a provider, an owner or a payment change. It answers only from the published records in front of it, cites each source and date, and keeps what the records show separate from what would still need proving.

Direct query accessFor analysts who would rather ask their own questions of the underlying data.

An APIFor consultancies and vendors who want the rate layer inside their own product rather than ours.

Built in the open

What shipped, and what is coming

The product changes every week. Here is what went live, with the date it went live, and what we are building next, labelled for what it is.

2 October 2026Like-for-like checks on every comparisonInsurer, coverage, part of the bill and drug amount must match, or the comparison is held back with the reason shown.
1 October 2026Same insurer, every other hospitalEvery code a hospital publishes, set against what the same insurer pays the other hospitals in the state under the same coverage. Other hospitals stay anonymous.
1 October 2026Reports lead with the contractEach hospital report now opens with how its contracts are built and the dollar gaps the evidence supports, then the detail behind them.
30 September 2026Statewide reportsOne run, a report for every hospital in a state, each against the same statewide market. Private PDF and CSV downloads, every figure with its file and date.
30 September 2026Coverage kept apartCommercial, Medicare Advantage, marketplace and Medicaid plans compared only with their own kind. Separately priced versions of a service stay separate.
30 September 2026Claims medians labelledWhere a file publishes what was actually allowed rather than a contract rate, it is shown as exactly that and never passed off as the rate.
20 September 2026Percentile bands and percent of MedicareWhere each rate sits in the market you choose, and what it is as a share of Medicare for the same code.
19 September 2026Implausible rates excluded, and countedRates that cannot be a real price for that provider are left out of the answer, with the number left out shown beside it.
18 September 2026A national hospital catalogueAll 5,419 hospitals in CMS’s national file, each linked to its own published price file where one exists.

Live now

Same-insurer comparison across every code
Statewide reports, one per hospital
Contract structure from each hospital’s file
Percentile bands and percent of Medicare
27 analytical questions, plus plain-language questions with sources

Building now

Peer groups: compare only with hospitals of your type and size
Rate history across monthly releases, so a renewal shows what moved
Hospital-to-hospital comparison for any two facilities you name
Every insurer file in the country, loaded and current

Your own payment data beside the published files, with your agreement
A dedicated analyst who brings the numbers into your renewal with you

Updated 3 October 2026. Dates are when a feature went live in the product, not when it was announced.

How current is the number

The date comes from inside the file

Rate data goes stale quietly, and a stale number loses a negotiation. So we treat the date as part of the number, not as a footnote.

Insurers republish monthly

Their files are reissued on a monthly reporting cycle. We re-pull them and re-read them, rather than working from whatever we happened to load first.

We use the file’s own date

Not the day we downloaded it. The release date published inside the file wins over the filename and over anything we might assume, every time.

Every number carries its date

On screen, next to the figure. If you cannot see when a rate was published, you should not take it into a negotiation.

We keep the file we read

Archived with a checksum. Any number can be traced back to the exact file it came from, months later, which is what makes it defensible.

Why this matters more than it sounds. Anyone can download a rate file once. Keeping current with every insurer, every month, and being able to prove which file a number came from is a different job — and it is the difference between a figure you can put in front of a payer and one you cannot.

Nationwide

Every state in the country

We read insurers’ own published rate files — what they actually pay, by facility and by procedure code — across all fifty states.

Each tile is a state where we read insurers’ published rate files.

Billionsof professional rate entries, from insurers’ own published files, covering millions of individual clinicians — rising every day as more payer files finish processing
696 millionrates in a single insurer file, matched to 12.1 million facility links, end to end
Millionsof prices published by hospitals themselves in their own files — negotiated rates, gross charges and cash prices together, one row per payer and plan. The other side of the same contract.
Monthlyinsurers reissue their files; we re-pull and re-read rather than working from whatever we loaded first

The national carriers, the Blues, the regional plans and the Medicaid managed-care plans — file by file, code by code, facility by facility. Every file is fetched and confirmed before it counts. What you see in your market is what your insurers published about your market.

On the hospital side the catalogue is already national: all 5,419 hospitals in CMS’s own national file are in it, each linked to its own published file where one exists. Reconciled 18 September 2026 against the CMS release of 22 July 2026.

Who uses it

A fifteen-bed hospital and a fifty-hospital system ask the same question

What am I actually paid, and what is everyone around me paid? The data is the same. What changes is how much is riding on the answer.

Hospitals & health systems

The people who sign the contracts

Chief financial officers, revenue cycle and managed care teams, from a single critical access hospital to a system negotiating across dozens of facilities and several states.

Walk into the renewal knowing where you sit.

Associations & networks

The people who serve many hospitals at once

State hospital associations and member-owned networks, who can evaluate this once on behalf of their membership instead of asking every hospital to work it out alone.

One read, shared across the membership.

States & policy

The people who need the whole picture

State offices and agencies who need to see every facility in the state on the same basis, rather than a survey of what hospitals say about themselves.

The full market, from published files.