2,441,528
Contracted rate rows
ReimburseOS / How it works
From NPI to underpayment matrix,
in four steps.
No EHR integration. No CSV upload. No PHI. We compose your reimbursement picture from public datasets you didn't know were addressable — your NPI, federal Transparency-in-Coverage filings, CMS PFS RVUs, and locality-adjusted percentile bands.
Pipeline snapshot · 2026-05-12
50,133
Distinct NPIs indexed
27
Commercial payers
63
CPT codes tracked
20
States live · long tail building
The pipeline
Each step is auditable. Each input is public.
No black box. Below is exactly what happens between the moment you submit your NPI and the moment your Snapshot renders.
01
Step 1 of 4
0–3s
Tell us your NPI.
We resolve your 10-digit National Provider Identifier against the CMS NPI Registry — the federal public directory of every U.S. healthcare provider. We auto-populate your practice name, taxonomy code (specialty), and primary practice address. Zero login. Zero PHI.
CMS NPI Registry Lookup
19••••2219
Resolved
Practice
Northern CA Chiropractic
Taxonomy
111N00000X — Chiropractor
State / Locality
CA — Sacramento (GPCI 1.041)
PHI transmitted
None
// Source: npiregistry.cms.hhs.gov — public federal registry
02
Step 2 of 4
3–10s
We look up your contracted rates.
We query our index of federal Transparency-in-Coverage Machine-Readable Files. As of 2026-05-12 we hold 2,441,528 contracted-rate rows across 27 commercial payers and 20 states — sourced directly from payer-published MRFs under the 2022 CMS Final Rule. We match on your NPI & TIN.
CPT
Payer (TiC MRF)
Rate
98941
Blue Shield of California
$31.99
98941
Anthem Blue Cross CA
$14.00
98940
Blue Shield of California
$25.52
97140
Blue Shield of California
$23.39
// NPI 19••••2219 — 4 of 150+ matched rows shown — TiC Schema 2.0
03
Step 3 of 4
10–15s
We compare against CMS PFS + peer percentile bands.
For every CPT code we pull, we compute three anchors: the CMS Physician Fee Schedule 2026 allowed amount (GPCI-adjusted to your locality), the 50th-percentile commercial rate among same-specialty peers in your state, and the 75th-percentile target. If your rate sits below the 50th, it surfaces as an underpayment.
CPT 98941 — Anthem CA — rate vs. CA chiropractic peer band (n=34,914)
Your rate
$14.00
Peer p50
$35.45
Peer p75
$76.25
CMS PFS
$42.04
Your rate is $21.45 below peer median — flagged as underpayment
// Source: TiC MRF + CMS PFS 2026 — GPCI locality-adjusted — CA
04
Step 4 of 4
~15s
Results appear in your browser in about 15 seconds.
Free tier: the top 3 CPT codes against the top 3 payers, with locality-adjusted percentile bands, dollar variance, and a single priority action. No email required. No credit card. No PHI. Upgrade ($297 one-time) unlocks the full payer breakdown, the negotiation memo, and the rate-anchor table for every code in your top 20.
NPI 19••••2219 — CA Chiropractor
No PHI
98941
Anthem Blue Cross CA
$14.00
-60.5%
98940
Anthem Blue Cross CA
$11.50
-51.7%
98941
Blue Shield of CA
$31.99
near p50
Principles
Three things we deliberately don't do.
// no phi
We never see a patient.
Not names, not DOBs, not claim numbers, not diagnoses. Our entire dataset is composed of public business identifiers (NPI Registry) and public commercial rates (TiC MRFs). HIPAA-aligned by architecture, not by policy.
// no forecasts
We never claim future revenue.
We report observed gaps against published benchmarks. We don't forecast what you "will" recover. We surface the variance and you decide what to negotiate. The Founder's Promise is anchored on documented reimbursement opportunity surfaced, not realized recovery.
// no integration
We never ask for your EHR.
No clearinghouse hook. No 837 file. No SFTP. Your NPI is enough to compose the picture, because the rates have always been public — payers were just betting you'd never look.
See your underpayment matrix in about 15 seconds.
Type your NPI. Results appear in your browser. No email required. No credit card. No PHI.
⚡ Run My Free SnapshotBacked by the Founder's Promise: $10,000/month in documented reimbursement opportunity, or your fee back. Read the promise.