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Am I being underpaid by insurance?
Since 2022, federal law has required every commercial insurer to publish what it pays providers. Almost nobody reads those files because they run to tens of gigabytes. We read them. Put in what you are paid and see the gap in dollars per year.
Step 1
Why most practices never find out
The files are unreadable
A single insurer network file runs about 15 gigabytes compressed and expands past 400. Excel will not open it and neither will your practice management system.
Your remits only show you
Remittance advice tells you what you were paid. It never tells you what the practice down the road is paid for the identical claim on the same network.
The rate is the whole contract
Clean claims and fast follow up matter, but if the contracted rate is 15% under market, no amount of billing efficiency closes that gap.
What this tool is not
A published rate is a benchmark, not a promise. What actually lands in your account also depends on eligibility, medical necessity, bundling edits and whether the claim survives adjudication. Half the negotiated rates in any state sit above the figure we show and half below, and where you fall depends on your group size and what you signed. We publish the full method at our rates methodology, and every state and code at what payers actually pay.