Contract Rates Inc reveals actual insurance contract rates by taxonomy, county and payor. Finally, put knowledge behind every negotiation—no more guessing.
Why are insurance companies fighting in court to prevent this? Find out below
Stop letting insurance companies exploit your practice.
Court documents prove insurance companies are terrified of provider rate transparency (Case #24CV54577 Nov 15, 2024)
They confess their strategy: keep rates secret to protect their 'competitive business advantage' and negotiating power.
Their sworn testimony reveals the game: keep rates secret so providers can't negotiate effectively and insurance companies maintain all the leverage.
Key Declaration"Public disclosure of the confidential reimbursement rate information would hinder Aetna's future ability to negotiate better prices effectively when providers know which cards are in Aetna's hand and strategies it has used in the past to secure competitive rates from providers."John Wagner, AETNA's Chief Network Officer Overseeing a nine state region, Declaration in support of AETNA Motion to Intervene 11/15/2024
Insurance companies are swearing under oath that rate transparency allows providers to 'demand the highest rates' and 'threaten to leave networks.' They just explained exactly why transparency works: it gives providers leverage and destroys insurance companies' negotiating advantage.
Key Declaration"Allowing health care providers to learn what their rival providers are being reimbursed would lead to higher provider rates by reducing incentives for providers to offer discounts any larger than their competitors. Disclosure of this detailed confidential information would easily enable network providers to demand reimbursement on the high end of the rate structure or threaten to leave the network."John Wagner, AETNA's Chief Network Officer Overseeing a nine state region, Declaration in support of AETNA Motion to Intervene 11/15/2024
While insurance companies fight transparency in court, your practice gets instant answers without the enterprise $10,000+ price tag, IT staff, extensive training or complex dashboards
Pick your medical specialties and geographic markets for rate intelligence.
Real contract rates from practices just like yours. Instantly see if you're underpaid, by how much, and exactly where you rank in your market.
End the information imbalance. Walk into negotiations knowing exactly what fair market rates look like.
24/7 Payor Intelligence: Your Competitive Edge Never Sleeps
The only service that monitors payor patterns, contract cycles, payor-parity compensation and rate evolution over time
Exclusive Power:
We build historical databases from monthly TIC updates.
See payor patterns no practice has ever had access to before.
Insurers know your ERA files go straight into your billing system — unaudited. Until now.
Simply upload your Electronic Remittance Advice file. The verifier reads every service line, matches your exact contracted rate and RVU year, and applies your contract effective date automatically. No manual setup. No spreadsheets.
Every CPT code is checked individually against your contracted rate. Multi-procedure reductions like CO-59 are flagged separately so you can verify the reduction percentage matches your actual contract terms — a clause most practices sign and never audit again.
Insurer underpayment against your contracted rate. Systematic patterns across high-volume CPT codes worth investigating. And — critically — services where your own billed amount falls below your contracted rate. Found money that requires no negotiation, no confrontation. Just fix it.
Insurers process millions of claims knowing that ERA files are imported and never inspected. Compliant insurers have nothing to fear.
Others have nowhere to hide.
Most practices have no way to know if they are being systematically underpaid at the service line level. Your practice management system posts the ERA and moves on. Our verifier does not.
Most practices never know they are being underpaid — or that they are undercharging themselves. Now you will. Included with every Power Package.
Included with every package — no extra charge
We're the only service connecting TIC rate data to actual practice names — including every location a practice operates in your market. One selection shows you the complete rate picture across every payor, every location.
Select the competitors you actually care about from a named list built from your county and taxonomy selections. Your portal always shows their current rates across every payor — updated monthly with every TIC release.
Stop guessing who's getting better rates. See exactly what your direct competitors earn from every payor — by name, updated monthly. Every tier, same access. Because intelligence shouldn't depend on your budget.
No feature restrictions or premium tier games. Power Packages differ only by how many counties and specialties you need covered. Broader coverage costs more to process and deliver. Simple, fair, honest.
Insurance companies know exactly what they pay every provider in your market. They use this intelligence to lowball offers and maintain negotiating advantage.
Meanwhile, practices negotiate with zero market data, hoping their "best offer" is actually fair.
We built Contract Rates Inc to end this imbalance.
Built to give practices the same rate data insurers use against them
Priced for real-world practice finances, not vendor wishful thinking
Designed for practices of every size that deserve actionable contract rate intelligence tools
After two decades in health system finance committees, IPA contract negotiations, and provider partnership meetings, we know the game is rigged. Insurance companies arrive with complete market intelligence while practices guess at fair rates.
We didn't build this to get rich. We built it because every practice deserves to negotiate from the same position of strength that insurers have always enjoyed.