Payers are required by law to publish what they pay you. They didn't tell you — and buried it in files no practice can open.
Since 2021, the federal Transparency in Coverage rule has required every major health plan to publish every contracted rate. Insurance companies never announced it. The data exists — but UnitedHealthcare's file exceeds a terabyte. Blue Shield's runs over 100 gigabytes. Payers counted on the files being impossible to read. ReimburseOS built the infrastructure to parse 314 million records so your practice can finally see what they've been paying — and what they should be.
Enter your NPI below. We'll run your numbers and hand you a complete rate breakdown on one of your codes — your rate, peer median, gap, annual uplift — on us. No strings.
Practice snapshot · Roseville Spine & Sport
| Payer | You get | Peer-50 | Gap |
|---|---|---|---|
| Aetna CA | $29.70 | $38.00 | −$8.30 |
| Blue Shield CA | $30.82 | $35.77 | −$4.95 |
| Anthem BCBS | $32.36 | $36.22 | −$3.86 |
| Cigna CA | $36.31 | $38.45 | −$2.14 |
| UHC | $41.49 | $41.08 | +$0.41 |
You negotiated the contract.
You treated the patient.
You submitted the claim.
Did you get paid what the data says you should?
The data exists. It has existed since 2021. The problem is that a single payer's machine-readable file can exceed a terabyte in size. Parsing it requires infrastructure most practices will never have access to — and until now, nobody was building that infrastructure for independent providers.
ReimburseOS built the pipeline. 314 million raw records normalized. Your gap, in about 15 seconds.
The ReimburseOS Rate Index
Individual payer machine-readable files run from tens of gigabytes to over a terabyte each. ReimburseOS built the parsing infrastructure to normalize 314 million raw records into a queryable index — CPT by CPT, payer by payer, geography by geography. Every number on your analysis traces to a source row. No substituted averages. Unavailable means unavailable, not fabricated.
NPI in. Negotiation brief out. Fifteen seconds.
No setup, no configuration, no consultant required. Just your provider identifier and the federal data that was always there.
The data became public in 2021. The files are so large that almost no one can use them.
Health plans now publish machine-readable contracted-rate files under federal law. A single payer's file can run over a terabyte. Parsing the index file alone — just to find which URLs contain your provider's data — requires significant engineering infrastructure. ReimburseOS built that infrastructure and normalized the output into a queryable index, so you can see where each payer sits relative to your local market without a data team.
The dashboard your team opens every Monday.
Peer-benchmarked rate gaps, ranked by dollar impact. See which payer is your worst performer, which CPTs are dragging it down, and what the spread looks like against the local benchmark. The priority lever for the next contract conversation.
Your payer filed the evidence. We write the argument.
Aetna, UnitedHealthcare, and every major commercial payer is required by federal law to publish every rate they pay every provider. We pull your payer's own MRF filing, calculate where you sit against the peer-50 for your geography and specialty, and write the formal rate-realignment request — citing numbers the payer themselves submitted to the federal government. Payer-filed, source-attributed data.
No contract resets at last year's rate by default.
Every payer agreement has an effective date, an expiration date, and a negotiation window. ReimburseOS tracks all three, so the renegotiation starts on your schedule with the benchmark data already queued.
Every number on your analysis traces back to a public filing.
No customer quotes. No fabricated reviews. The credibility comes from the dataset, the method, and a source row you can audit.
Public federal data
Built on machine-readable Transparency-in-Coverage rate files, the NPI Registry, and the CMS Physician Fee Schedule. No PHI is required, anywhere in the pipeline.
Transparent methodology
Each CPT is compared to its local-market 25th, 50th, and 75th percentile. The method is published, repeatable, and the same one your analysis runs.
Attributable to the source
Every benchmark figure links to the payer filing it came from. If a number cannot be sourced, we mark it unavailable rather than substitute an average.
Source vocabulary: 314M+ raw public payer rate records identified across federal TiC files; 5.3M+ normalized rows currently indexed inside ReimburseOS (27 commercial payers live · all 50 states · 55,849 provider NPIs in rate index · as of 2026-05-18). Every figure source-attributed or marked unavailable. No PHI required at any tier.
Built for every team getting squeezed by payer contracts.
The same public contracted-rate data. The same platform. Sized to your operation.
Independent Practices
You negotiate alone against payers with actuarial teams and legal departments. ReimburseOS gives you the same data they have — their own publicly filed contracted rates, benchmarked against your local market.
Analyze My CPT Codes →Billing Companies
You see underpayments every day across dozens of clients. ReimburseOS lets you prove them with the payer's own TiC filings and generate client-ready leverage memos without touching a single PHI record.
Portfolio pricing and demo →DME Suppliers
Allowed amount variance compounds across thousands of HCPCS claims. ReimburseOS surfaces which codes and which payers are the problem, by geography, by payer, by claim volume — without a billing audit or consultant.
DME rate intelligence →Specialty Groups and MSOs
Multi-location rate variance is invisible until it becomes a revenue problem. ReimburseOS makes it visible before that — payer by payer, location by location, renewal window by renewal window.
See Growth tier →ReimburseOS is not a billing company and does not replace your billing team. It is reimbursement intelligence software that helps you see where the gap is and arm you for the next contract conversation.
Start free. Pay only when you want the full picture.
Three ways in. The analysis is free forever; the paid tiers carry the Founder's Promise.
See whether a rate gap exists against the peer benchmark. No credit card, no required email gate.
- Estimated annual rate-gap range
- Top 3 below-benchmark CPT codes
- Your peer percentile in the index
The full panel: all 20 CPT codes, the complete payer scorecard, the counteroffer memo, and the negotiation strategy.
- 20 CPT codes analyzed in full
- Payer-specific negotiation scripts
- Backed by the Founder's Promise
Always-on monitoring, rate-shift alerts, saved analyses, and renewal support across every payer.
- Unlimited CPT codes tracked
- Real-time rate-shift alerts
- Renewal calendar with 90-day automation
Not sure which tier fits? Start with the free analysis — no card, no email required, no commitment.
All opportunity figures are estimates based on public contracted-rate data and business-level inputs. Actual recovery depends on payer response, contract terms, and negotiation outcome.
Direct answers to the questions buyers actually ask.
Do I need to upload patient data?
No. The free analysis does not require PHI. Optional inputs are business-level only: specialty, payer mix, CPT codes, volume estimates, ZIP code, and your average reimbursement amounts. Advanced claim-level workflows require private onboarding and compliance review.
Is this only for chiropractors?
No. ReimburseOS supports independent practices, specialty clinics, physical therapy groups, DME suppliers, billing companies, and healthcare operators managing payer contracts. Chiropractic is the first commercial focus. The platform is specialty-agnostic.
Are these my exact contracted rates?
Sometimes. When exact public contracted-rate data from federal TiC filings is available and matched to your NPI, geography, and payer, we label it as such. When benchmark estimates or user-entered rates are used, those are labeled too. We never present an estimate as a confirmed rate.
Can this guarantee recovered revenue?
No. ReimburseOS identifies methodology-backed reimbursement opportunity so your team can prioritize the highest-value next steps. Actual recovery depends on payer response, contract terms, documentation, volume, and negotiation outcome. The Founder's Promise covers the audit fee, not recovery outcome.
What if the data is unavailable for my practice?
ReimburseOS labels unavailable or low-confidence results instead of substituting a guess. You will see "Unavailable," "Thin sample," or "Benchmark estimate only" rather than a fabricated number. You can enter your own rates as a baseline and we will compare them against the available benchmark data.
What happens after the free analysis?
You review your top 3 CPT gaps and peer percentile position. From there you can unlock the full 20-CPT Practice Audit, generate a payer-ready leverage memo for your worst payer, or start a Pro subscription for continuous monitoring and renewal alerts. No decision required at the analysis stage.
If your paid Practice Audit does not identify at least $10,000/month in documented, methodology-backed reimbursement opportunity across your submitted CPT and payer panel, we refund your audit fee.
A signed promise, not a marketing line. The number is the anchor. If the opportunity is not there based on available data, we say so — we will not inflate figures to justify a sale.
The promise applies to documented opportunity identified through public-rate and benchmark analysis, not guaranteed cash recovery. Actual recovery depends on payer response, contract terms, documentation, volume, negotiation timing, and workflow type.
Find out where your rates stand. It takes about 15 seconds.
Start with your NPI. Add specialty, payer mix, and CPT codes to sharpen the analysis. Results appear in your browser. No PHI, no credit card, no required email gate.