# RateBench

> RateBench reads the rate files U.S. commercial payers must publish and gives an independent medical practice its own contracted rates, by CPT code, across its payers — then checks it is paid them and flags when a rate moves. Every figure comes from the payer’s own file; there is no invented benchmark.

Human site: https://ratebench.health  ·  Product: https://app.ratebench.health

## Pages (Markdown for agents)

- [Overview](https://ratebench.health/index.md): RateBench reads the rate files payers must publish and gives an independent medical practice its own contracted rates, by CPT code, across its payers — then checks it is paid them and flags when a rate moves.
- [For billing companies](https://ratebench.health/partners.md): For medical billing and RCM companies: each client practice gets its own fee schedule from the payers’ published files, underpayment checks and rate-change alerts. No published partner prices; tell us about your book.
- [Pricing](https://ratebench.health/pricing.md): Practice $99/mo (1 location, 2 specialties). Group $499/mo (up to 3 locations, unlimited specialties). Add-ons: +$49/specialty on Practice, +$79/location on either. Annual = 2 months free. No per-seat pricing. A single rate lookup is free with no account. Larger groups and partners: contact us.
- [How it works](https://ratebench.health/how-it-works.md): Create an account, enter your NPI and the CPT codes you bill, pick your payers, and RateBench matches your NPI against each payer’s published rates to build your fee schedule: one row per code, one column per payer.
- [Fee schedule](https://ratebench.health/fee-schedule.md): Your contracted rate for every CPT code you bill, one column per payer, read from each payer’s own published file — with the network, setting, file month and source file behind every number. Re-read monthly, refresh on demand, export to CSV.
- [Underpayment check](https://ratebench.health/underpayments.md): Upload allowed-amount totals by CPT code; RateBench compares each to the rate your payer published for your practice and shows the codes allowed below it, the claims affected and the dollar gap. Totals only — no patient data leaves your computer.
- [Rate monitoring](https://ratebench.health/monitoring.md): Payers republish their rate files monthly. RateBench re-reads every payer on your fee schedule on the 1st of each month and emails you which rates moved — code, payer, was, now and the change — and keeps every rate’s history.
- [Payer contract renegotiation](https://ratebench.health/renegotiation.md): For one payer, each code on your fee schedule next to what your other payers and Medicare pay, with your own volume and the asks you set, what each is worth a year, and a PDF to take to the payer. Group plan. No market data.
- [Codes, settings and modifiers](https://ratebench.health/codes.md): The 1027 CPT codes a fee schedule starts from, across 21 specialties, and the rule behind every rate: office setting, professional class, plain code before modifier.
- [Payer coverage](https://ratebench.health/payers.md): 66 payers live with verified dollar rates — the local Blue plan in 49 states and DC, plus UnitedHealthcare, Aetna, Cigna, Ambetter, Oscar and Medicare — across 51 states.

## Typical rates, one code at one payer

- [BCBS Texas 99214 rate](https://ratebench.health/rates/bcbstx/99214): middle rate and middle half for CPT 99214 in BCBS Texas’s own dated files.
- [BCBS Texas 99213 rate](https://ratebench.health/rates/bcbstx/99213): middle rate and middle half for CPT 99213 in BCBS Texas’s own dated files.
- [BCBS Texas 90837 rate](https://ratebench.health/rates/bcbstx/90837): middle rate and middle half for CPT 90837 in BCBS Texas’s own dated files.
- [Florida Blue 99214 rate](https://ratebench.health/rates/floridablue/99214): middle rate and middle half for CPT 99214 in Florida Blue’s own dated files.
- [Florida Blue 99213 rate](https://ratebench.health/rates/floridablue/99213): middle rate and middle half for CPT 99213 in Florida Blue’s own dated files.
- [Florida Blue 90837 rate](https://ratebench.health/rates/floridablue/90837): middle rate and middle half for CPT 90837 in Florida Blue’s own dated files.
- [Horizon BCBS New Jersey 99214 rate](https://ratebench.health/rates/horizon/99214): middle rate and middle half for CPT 99214 in Horizon BCBS New Jersey’s own dated files.
- [Horizon BCBS New Jersey 90837 rate](https://ratebench.health/rates/horizon/90837): middle rate and middle half for CPT 90837 in Horizon BCBS New Jersey’s own dated files.
- [BCBS Mississippi 99214 rate](https://ratebench.health/rates/bcbsms/99214): middle rate and middle half for CPT 99214 in BCBS Mississippi’s own dated files.
- [UnitedHealthcare 99214 rate](https://ratebench.health/rates/uhc/99214): middle rate and middle half for CPT 99214 in UnitedHealthcare’s own dated files, nationwide (no state split).
- [UnitedHealthcare 90837 rate](https://ratebench.health/rates/uhc/90837): middle rate and middle half for CPT 90837 in UnitedHealthcare’s own dated files, nationwide (no state split).
- [Aetna 99214 rate](https://ratebench.health/rates/aetna/99214): middle rate and middle half for CPT 99214 in Aetna’s own dated files, nationwide (no state split).
- [Aetna 99213 rate](https://ratebench.health/rates/aetna/99213): middle rate and middle half for CPT 99213 in Aetna’s own dated files, nationwide (no state split).
- [Aetna 90837 rate](https://ratebench.health/rates/aetna/90837): middle rate and middle half for CPT 90837 in Aetna’s own dated files, nationwide (no state split).
- [Cigna 99214 rate](https://ratebench.health/rates/cigna/99214): middle rate and middle half for CPT 99214 in Cigna’s own dated files, nationwide (no state split).
- [Cigna 90837 rate](https://ratebench.health/rates/cigna/90837): middle rate and middle half for CPT 90837 in Cigna’s own dated files, nationwide (no state split).

## Blog (Markdown for agents)

- [RateBench Blog](https://ratebench.health/blog.md): index of every research piece, newest first.
- [Office Visit Rates by Payer, September 2026](https://ratebench.health/blog/office-visit-rates-by-payer-2026.md): The middle published rate for 99213, 99214 and 99215 at seven large payers, from their September 2026 Transparency in Coverage files: up to 45% apart between payers for the same visit, and wider still inside the national payers.
- [Payer Fee Schedules 2026: How to Get Yours](https://ratebench.health/blog/payer-fee-schedules-2026.md): Why there is no single commercial fee schedule, where each payer publishes its negotiated rates under Transparency in Coverage, three ways to get your own 2026 rates, and a link to every payer RateBench reads.
- [99214 Reimbursement Rate 2026, by Payer](https://ratebench.health/blog/99214-reimbursement-rate-2026.md): The middle published rate and middle half for CPT 99214 at seven payers, from their September 2026 Transparency in Coverage files, what moves an individual practice’s rate, and how to check your own.
- [How to Spot Underpayments by CPT Code](https://ratebench.health/blog/spot-underpayments-by-cpt-code.md): A six-step check any practice can run from its own claims data: get a reference rate per code, export allowed amounts by code, compare, rank by dollars, rule out the usual explanations, and raise what is left with the payer.
- [Transparency in Coverage Files: A Practice Guide](https://ratebench.health/blog/transparency-in-coverage-files.md): What the federal Transparency in Coverage rules require health plans to publish, what an in-network rate file contains, why practices rarely use them, and how a small practice can use them to see, compare and check its own rates.
- [Allowed Amount vs Paid Amount vs Contracted Rate](https://ratebench.health/blog/allowed-amount-vs-paid-amount.md): What the contracted rate, the allowed amount and the paid amount each mean on a remittance line, why comparing payments to rates produces false alarms, and the one comparison that finds an underpayment.
- [Blue Cross Blue Shield Fee Schedule: Why There Isn’t One, and How to Find Yours](https://ratebench.health/blog/blue-cross-blue-shield-fee-schedule.md): Why there is no single Blue Cross Blue Shield fee schedule: the Blue plans are independent companies with separate contracts, BlueCard prices out-of-area claims at the local plan’s rate, and each plan publishes its own negotiated rates.
- [Medicaid Fee Schedules by State: Where Each State Publishes Its Rates](https://ratebench.health/blog/medicaid-fee-schedules-by-state.md): A state-by-state index of where every Medicaid program publishes its fee-for-service fee schedule, with the 2026 federal publication requirement, the managed-care caveat, and how Medicaid rates compare with Medicare.
- [Contracted Rates: How to Find Yours by CPT Code](https://ratebench.health/blog/find-your-contracted-rate.md): The three places a practice’s negotiated rate exists — the contract exhibit, the remittance advice, and the payer’s monthly Transparency in Coverage file — how to obtain each, and how to reconcile them when they disagree.

## Notes

- Pricing: Practice $99/mo (1 location, 2 specialties), Group $499/mo (3 locations, unlimited specialties); add-ons +$49/specialty (Practice), +$79/location; annual = 2 months free; no per-seat pricing. A single rate lookup is free with no account; there is no free account tier.
- Sign up at https://app.ratebench.health/sign-up.