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What Payers Actually Pay

Every insurer is now federally required to publish the rates it pays providers. Almost nobody reads those files, because they are enormous. We read them. Here is what the major payers pay independent practices for the codes you bill most, straight from their own disclosures.

From payers' own files
Office place of service
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From the source

The numbers come from each payer's Transparency in Coverage machine-readable files, the same disclosures the federal government requires them to publish. Not estimates, not surveys.

Compared to Medicare

Every rate is shown next to the Medicare office rate for that code and state, so you can see the real premium or discount, not just a dollar figure with no anchor.

Then checked against yours

Type in what a payer pays you and see where you land in their published range. Below the median usually means there is room to renegotiate.

Check Your Rate

Pick a payer, code, and state, then enter what you are paid.

Rate Reality Check

See where your contracted rate falls against what this payer actually publishes.

$244.74 (25th)$244.74 (median)$351.20 (75th)

Based on 90 published rates. Medicare pays about $110.00 here.

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Explore by Payer

UnitedHealthcare

Choice Plus national network (August 2026 TiC file)

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Cigna

Open Access Plus national network (August 2026 TiC file)

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How we build these numbers

Think You Are Underpaid?

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We benchmark your fee schedules against what payers publish and renegotiate the ones that fall short.

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Aggregated from each insurer's own federal Transparency in Coverage machine-readable files (reporting period August 2026). Office place-of-service professional rates. Ranges, not a guarantee of your rate.