Partner & white-label program

The rate-intelligence layer
your workflow plugs into.

Send a claim line. Get back the payer's own benchmark contracted rate, the underpayment gap, and a ready-to-send leverage memo — under your brand.

Built on 314M+ federal Transparency-in-Coverage records (45 CFR Part 180) across 50 states. Aggregates only — no PHI, no patient data, ever. REST/JSON, key-authenticated, metered.

How partners use it

Three calls, inside your pipeline.

1 · Intercept

Your middleware extracts claim lines (CPT/HCPCS, payer, state, paid amount) from any source or BPO queue.

2 · Benchmark

Call /rate-benchmark with up to 100 lines. We return the peer-median contracted rate, distribution, and the gap per line.

3 · Memo

Call /leverage-memo for the flagged lines. We return a white-label, payer-ready leverage memo your team routes and works.

Authentication

API keys + tiered rate limits.

Every request carries your partner key in the X-Api-Key header. Keys are per-partner, metered, and rate-limited by tier. We issue a capped pilot key first.

Tier	Rate limit	Batch	Included calls
Pilot	60 req / min	100 claims / call	5,000 / mo
Growth	240 req / min	100 claims / call	50,000 / mo
Scale	600 req / min	100 claims / call	Custom

Endpoint

POST/api/partner/rate-benchmark

Batch, claim-aware. Returns one benchmark per line, with gap analysis when you pass paid_amount.

Request

# headers: X-Api-Key: ros_live_…  ·  Content-Type: application/json
{
  "claims": [
    { "id": "clm_8841", "cpt": "97110", "payer": "aetna", "state": "CA", "paid_amount": 29.70 },
    { "id": "clm_8842", "cpt": "99214", "payer": "uhc",   "state": "CA" }
  ]
}

Response

{
  "ok": true,
  "summary": { "claims": 2, "matched": 2, "underpaid": 1, "documented_gap_per_unit": 8.30 },
  "results": [
    {
      "id": "clm_8841", "ok": true, "cpt": "97110", "description": "Therapeutic exercises",
      "payer_label": "Aetna of California", "benchmark": 38.00,
      "percentiles": { "p25": 33.10, "p50": 38.00, "p75": 42.40, "p95": 49.00 },
      "sample_count": 51, "confidence": "Medium",
      "paid_amount": 29.70, "gap": 8.30, "paid_percentile": 12, "underpaid": true, "opportunity_flag": "high"
    }
  ],
  "source": "tic_mrf"
}

Endpoint

POST/api/partner/leverage-memo

Generates a white-label, payer-ready leverage memo from claim lines. Your brand in the header and footer; zero ReimburseOS attribution in white-label mode.

# headers: X-Api-Key: ros_live_…
{
  "payer": "aetna", "state": "CA",
  "practice_name": "Bay Area Physical Therapy",
  "claims": [ { "cpt": "97110", "paid_amount": 29.70 }, { "cpt": "97140", "paid_amount": 24.10 } ],
  "brand": { "name": "Porto RCM Partner Solutions" }
}
→ { ok:true, memo:"…ready-to-send memo text…", summary:{…}, line_detail:[…] }

Moat & compliance

What we expose — and what we never do.

Aggregate benchmarks only: peer-median + distribution. No PHI No patient data
No raw per-provider contracted-rate rows, no bulk data export.
Memos use documented-opportunity language — never guaranteed recovery, never legal/coding advice.
License terms: partner use within your workflow; no resale or redistribution of underlying rate data.

Commercials

Simple, stacked pricing.

Component	Pilot (30 days)	Scaled
Platform / white-label license	$1,500 / mo	$2,500–$10,000 / mo
Metered per API call	$0.35 / call	$0.15–$0.30 / call
Performance share (optional)	10–15% of recovered $	10–15% (capped)
Integration / onboarding	$2,500 one-time	$5,000+

Pilot is designed to prove value fast: a capped, metered key, a signed one-page agreement, and a single success metric — the share of your claim sample we flag as documented opportunity. Convert to a scaled tier on results.

Start a pilot

Get a key this week.

Send us a structured, de-identified claim sample (CPT/HCPCS, payer, state, paid amount). We provision a capped pilot key and run your sample through both endpoints on a live call.

Request a pilot key →

The rate-intelligence layeryour workflow plugs into.