Method
Four steps, and none of them are a guess.
The number we show you has to survive being questioned by a payer’s contracting manager. That rules out anything probabilistic.
- 01
Your payer publishes the file
Required monthly since 2022. Every commercial payer posts what it pays every contracted provider, keyed by NPI. Public, no login. Also a gigabyte of JSON, which is why nobody has read yours.
- 02
We find your line and download only that
We read the payer’s index, work out which file covers your network, check the provider block before committing to a download, and stream only the slice that names your NPI. Pulling whole files would be slow and pointless — one payer’s index alone lists 172 distinct networks ranging from 40 KB to well over a gigabyte.
- 03
A fixed rule set picks the rate — not an AI
Real files are messy: several rates per code, modifier bundles, rates marked “derived” rather than negotiated. A deterministic engine resolves them in a fixed priority order, identically every time, and can show you exactly why a number was chosen — the network it’s under, the place of service, and the source file it came from. A language model would be a liability here, so it never touches the arithmetic.
- 04
We put it next to your other payers — and your own claims
One number is a start; the value is the comparison. Your rate drops into a sheet beside every other payer you contract with for the same code, so a low one is obvious. Upload your allowed-amount totals and we flag any code you’re paid under the rate the payer published for you. We never compare against an invented benchmark — only against real figures from the payers’ own files and your own remittance.
Your data
Patient data never reaches us. That is architecture, not a promise.
The free lookup needs nothing but an NPI. When you later check whether a payer actually paid what it agreed to, your remittance is read and totalled inside your own browser — we only ever receive counts by code, never a claim.
Never leaves your computer
Patient names, member IDs, dates of birth, claim numbers, any free-text field. The uploader refuses to map these to anything — they can only be dropped.
What we receive
CPT code, modifier, place of service, and the allowed amount and claim count — aggregated. Nothing that identifies a person.
No email-us-the-file workaround
There is no support path that takes a raw file off you. Offering one would defeat the whole design, so it does not exist.
BAA anyway
We will sign one. Not because we intend to handle patient data — because you should not have to take our word for the paragraph above.
Questions
The ones we actually get asked.
Is this legal? These are our contract rates.
They are published by your payer, by federal requirement, at a public URL with no login. We read the same file anyone can. We hold no copy of your contract and have never seen it.
Why does the first lookup take a minute?
Your rate sits inside a file that can run past a gigabyte, and we stream it rather than keeping a copy of every payer’s data. Once we have read a payer’s current file, everyone’s lookups against it are instant until the payer republishes next month.
My payer is not on the list.
There are 3 payers in the queue and we may not have written the reader for yours yet. Every Blue plan plus Aetna and Cigna read nationwide today. Add your payer when you sign up — we build the next one for whichever payer the most practices are waiting on, and we email you when yours lands.
Can you tell me whether they are actually paying that rate?
Yes — that is the underpayment check on a paid plan. You upload your allowed-amount totals by code; we compare each to the rate your payer published for you and flag where you are paid under your own contract. It reads and aggregates in your browser, so no patient data reaches us.
Do you compare my rate to a benchmark?
We do not invent a national benchmark. The honest comparison we give you is real and yours: the same code across every payer you contract with, side by side, and — with the underpayment check — your published rate against what you were actually allowed. Every figure traces to a payer’s own file.
What can I get today?
A free rate lookup for 56 live payers, plus the full app on a paid plan: multi-payer fee schedule reports, underpayment checks and rate monitoring. Every Blue plan plus Aetna and Cigna read nationwide; the rest are in the queue.