Federal transparency rules force every commercial insurer to publish every rate they have negotiated, with every practice. FairRate turns those raw, multi-gigabyte disclosures into a clear picture of where your rates stand.
When your contract comes up for renewal, the insurer knows precisely where your rates sit relative to every comparable group in the market. Historically, you did not. That information gap is the whole negotiation.
The same procedure pays markedly more with one insurer than another — and with a single insurer, two practices in the same city can sit at opposite ends of a range that routinely spans 2×. If you have never benchmarked against the disclosures, you cannot know which end you are on.
| Cigna | $273 |
| UnitedHealthcare | $252 |
| Aetna | $232 |
| BCBSTX | $229 |
| BSW Health Plan | $203 |
CPT 45378, professional fee, DFW metro. Median of disclosed negotiated rates across each insurer's flagship commercial network, 2026 files. See the full picture →
Three sources, one honest number for each of your top codes.
Every insurer's Transparency-in-Coverage file lists negotiated professional rates per practice and code. We stream and parse the ones relevant to your specialty and metro.
Rates are ranked into market percentiles and set against your metro's CY2026 Medicare baseline and hospitals' actual-paid disclosures — the language insurers speak.
You receive a per-insurer benchmark of your top codes plus a negotiation-ready letter — the same evidence base the insurer already has.
Your top 12 codes against the disclosed market, per insurer, with a negotiation letter. Refunded in full if it isn't useful.