BRANMOOR
THURSDAY · 14 MAY 2026
Branmoor
MOCKUP — SAMPLE DATA ONLY.  Prices shown are illustrative, not from real price transparency files. Real ClearRate for Patients is in development. How will the real product work?

ClearRate for Patients · Tennessee MVP · Free

What will this actually cost me?

Enter a medical service, your insurance, and your ZIP — in Nashville, Franklin, Chattanooga, or Knoxville. Get a ranked list of nearby facilities sorted by estimated out-of-pocket cost — lowest first. No account. No upsell. Primary-source rates from hospital and payer price transparency files.

    Please select a service from the list. 50 services across imaging, procedures, labs, PT/OT, and office visits.
    Please select your insurance. Tennessee MVP — 5 payers covered across 4 metros.
    Please enter a Nashville, Franklin, Chattanooga, or Knoxville ZIP.
    If unknown, we’ll assume your deductible is not yet met (most conservative estimate).
    20%
    Your share after deductible. Most PPO plans: 20–30%.
    Free. No account. Nashville, Franklin, Chattanooga, and Knoxville.
    Mockup — sample data only

    The estimates below are illustrative only. They are not from real hospital or payer price transparency files. Real ClearRate for Patients will source rates from CMS Hospital Price Transparency MRFs and payer Transparency in Coverage files for the five Nashville-area payers listed above. Every rate will carry the source document URL and the date it was posted. How will the real product work?

    In the real product: a standing disclosure identical to this one will appear above every result set, and every individual result will carry the rate type (negotiated / cash), the posted date, and a plain-English disclosure of what is and isn’t included in the estimate.

    Results

    Like ClearRate for Patients? The Branmoor Brief covers healthcare’s primary-source data every week — drug shortages, enforcement actions, hospital financial signals, and payer changes. Written for clinicians, supply managers, and patients who want to understand the system.

    How ClearRate for Patients estimates your cost

    The real ClearRate for Patients will pull negotiated rates from CMS-mandated price transparency files: Hospital Price Transparency machine-readable files (published by every U.S. hospital) and payer Transparency in Coverage files (published by every commercial insurer). These are the first comprehensive public sources of what a specific payer actually pays a specific facility for a specific service.

    For each search, ClearRate for Patients looks up the negotiated rate for your payer at each in-network facility within your ZIP’s driving radius. It then applies your remaining deductible and coinsurance to compute an estimated patient responsibility — the number you’d actually owe, not the chargemaster rate or the “self-pay” estimate.

    Results show a range because the facility rate covers the technical component (the room, the equipment, the hospital’s charge). Professional fees — the physician or radiologist who reads the result — are billed separately and vary. ClearRate for Patients shows the typical professional fee range for each service type so the estimate is honest about its own limits.

    What ClearRate for Patients won’t show: services where only percentage-of-charges rates exist (not a real dollar figure). Hospitals that haven’t posted usable machine-readable files will appear with “Rate not available” and a link to the hospital’s price transparency compliance status.

    This is a mockup. This methodology page will be attorney-reviewed before public launch. The real product’s methodology will be published at branmoor.com/methodology/clearrate-for-patients/. Information published here is not medical advice.