Find out where your plan is overpaying — and which renegotiations are actually worth the fight.
What it is
ClearRate is a negotiated-rate intelligence product for self-insured employers and the benefits consultants who advise them. Built on CMS Transparency in Coverage and Hospital Price Transparency files, it surfaces — for any given employer plan — the codes and facilities where contracted rates sit materially above peer markets, sized in dollars rather than abstract percentile rankings.
Every quoted rate is linked back to the source TiC or HPT file with the publication date. Conclusions are auditable; a benefits leader can take a finding into a renewal conversation with the carrier and stand behind it.
Sold under named institutional license. Pricing is per-engagement and scales with covered lives. Contact us for a scoped pilot.
Primary data sources
- CMS Transparency in Coverage — Negotiated rates between payers and in-network providers
- CMS Hospital Price Transparency — Hospital-published standard charges and payer-specific negotiated rates
- CMS Medicare fee schedules — Benchmark anchors for relative rate comparison
Buyers
- Self-insured employer benefits teams
- Benefits consulting firms (e.g., Mercer, Aon, WTW, regional independents)
- Health-plan brokers managing self-funded books
Methodology
Peer-market benchmarks are computed within geographic and facility-class cohorts. Methodology, cohort definitions, and limits are disclosed in every engagement.
Inquire about access
ClearRate: Negotiated rate intelligence for self-insured employers is sold under named institutional license. Pricing is scoped per engagement. Reach out with the institutional context (organization, role, intended use) and we'll route a relevant scope of work.