Check an offer before you sign
Compare an insurer's offer on your top codes with what it has agreed to pay other practices in your county.
What payers actually pay
Commercial insurers have to publish the rates they've negotiated with their in-network providers. The files are public, but they're huge and close to unreadable. So when a contract offer lands on your desk, you usually can't see what the same insurer has agreed to pay other practices nearby. We're turning those files into rates you can look up by code and county, next to Medicare.
Coming soon
Tell us which insurers to start with
We're importing the first insurers now. Tell us which ones you work with and where, and we'll start where the most people are asking.
- Negotiated rates for each code, by county and specialty
- The median rate and the middle half of rates, as a percentage of Medicare
- The insurer's file, and the month it was published, behind every number
The rates are public. Reading them isn't.
Since July 2022, the federal Transparency in Coverage rule has required insurers to post their negotiated rates online. A single network's file can top 100 GB, and much of it lists rates for services a provider never bills. Companies do sell cleaned-up versions, but they're priced for health systems, not for a practice with one contract to decide on.
What you'll be able to do
Bring numbers to a renewal
Go in knowing what the insurer has agreed to with others in your specialty, not just what's in your own contract.
Size up a market
Compare rates across counties before you open a second location, take on a new client or value a practice.
Each rate will sit next to the Medicare amount for the same code and locality, and next to your state's Medicaid rate where we have it. If you're weighing an offer now, Contract Check already compares it with Medicare across the codes you bill. Staying out of network instead? We're also building a way to look up what IDR arbitration awards.
How we pick the next insurer
Every insurer formats its files differently and needs its own cleanup, so we add them one at a time. First up are Blue Cross and Blue Shield of Illinois and Blue Cross and Blue Shield of Texas. After that, we follow the waitlist: the insurers and regions people ask for most come next.
What the numbers are, and aren't
A negotiated rate is what the contract says, not what any one claim paid, and it can differ by network and plan. We group rates by code, county and specialty. We publish a benchmark only when at least 10 providers from at least 5 separately contracting groups (tax IDs) stand behind it, and no single group accounts for more than 25% of it. Every number shows the month the insurer published it and the file it came from. The methodology has the details.
Tell us which insurers you need, and we'll email you when they're ready.
Join the waitlist