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Commercial reimbursement, made readable

Know what insurers actually pay. Any code, any clinic, any state.

Look up the commercial rate for any CPT or HCPCS code, by clinic or by state, in seconds. Every figure comes from the insurers' own published rate files and sits next to Medicare.

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UnitedHealthcareAetnaCignaAnthemBlue plans in ~35 statesKaiserAmbetterOscar
Market lookup 99214 in Georgia Office visit, established patient · median per clinician, office
Illustrative
InsurerMedian× Medicare
UnitedHealthcare$119.000.96×
Medicare, Georgia$124.60
Clinic lookup · 99214 Peachtree Ridge Family Medicine NPI 1083016613 · Family Medicine · 9 clinicians · Georgia
Fictional
InsurerClinicMedianvs median
UnitedHealthcare$126.14$119.00+6%
Above the insurer median at 2 of 4 insurers.
The problem

The same office visit pays about $30 at one clinic and over $200 at another.

What a clinic is paid for a service depends on the insurer, the network and the clinic's own contract. For a routine visit (99213) the gap is more than six times.

Published since 2022Federal rules require insurers to publish every negotiated rate, every month.
Unreadable in practiceTerabytes of machine files per insurer. Nobody opens them by hand.
Priced for enterprisesTools that clean the data cost tens of thousands a year and serve contracting teams.
What it does

Two questions, answered in seconds.

Market lookup

What do insurers pay for this code in this state?

Pick any code, a state or the whole country, and optionally a specialty. Each insurer gets one line with:

  • the typical rate and the range of the middle 80%
  • how many contracts the figure rests on
  • the rate as a multiple of Medicare, such as 1.3×
  • office or facility, global or the -26 and -TC parts
Clinic lookup

What does this clinic get paid?

Search by clinic name, clinician name, NPI or city. For the codes you choose, you see:

  • the clinic's own contracted rate with each insurer
  • the gap to that insurer's state median, such as +23%
  • Medicare for the same code and state
  • one grid of all your codes against all the clinic's insurers
Coming next: Code baskets per specialtyCompare statesExport for meetingsHospital and ASC pricesMonth-over-month changeVolume from Medicare claims
How the numbers are made trustworthy

Raw insurer files are messy. We clean them before you see a number.

One line per fee scheduleInsurers publish the same price list under many network names. We merge them, so you see “Cigna National PPO (2 networks)”, not seven identical rows.
Local networks onlyA network appears in a state only if it really operates there.
Relevant providersInsurers list a price for every code for every provider, including services they never perform. By default we count only specialties that actually bill the code in Medicare.
Two kinds of typicalWhat a typical clinician is paid, and what a typical practice gets. Large groups often have higher rates, so we show both.
Honest flags“Small sample” under 50 contracts. A min–max range when one contract lists several prices. “Parts only” when an insurer publishes just the -26 and -TC parts.
Read the full methodology →
One line, explained · Illustrative
Cigna National PPO2 networks
99214 · Georgia · office · relevant specialties
Per clinician$118.40
Per contract$110.00
Middle 80%$92 – $151
× Medicare0.95×
Based on1,240 contracts
Insurer fileOct 2026

Reference-gradeAs published by the insurer. Not a quote for any specific clinic.

Coverage · October 2026

The insurers that matter in every state.

About 400 networks, merged into about 315 distinct fee schedules. Refreshed every month as insurers publish new files.

See coverage state by state →
~315fee schedules from about 400 networks
~38,000CPT and HCPCS codes
50 + DC + PRevery state, plus DC and Puerto Rico
Monthlyrefresh, with the file date on every screen
Who uses it

Built first for teams that sell into US clinics.

Medtech and diagnostics, clinical services and monitoring programmes, and revenue-cycle firms. Also useful for independent practices checking their contracts, consultants and market-entry analysts.

93000 · 93306 · GACardiac monitoring salesA rep checks what the three biggest insurers in Georgia pay a cardiology group before the meeting.
97110 · TXPhysical therapy chainCompares rates across Texas insurers to decide which networks to push.
99214 · ILIndependent practiceSees its rate with one insurer is 18% below that insurer's state median, and takes it into renegotiation.
New test code · 50 statesDiagnostics launchSizes the commercial reimbursement for a new test across every state.

Not built for insurer contracting teams, health-system managed care or M&A diligence. They need negotiation-grade data and enterprise tooling, and established platforms serve them.

Pricing

Priced per seat, bought on a card.

Enterprise rate platforms sell annual contracts through a sales team. PayerSight is self-serve: start a trial, add seats for your team, cancel any month.

Individual
Pilot pricing
  • Market and clinic lookup
  • All codes, all states
  • Free trial
Team
Per seat
  • Everything in Individual
  • Shared code baskets
  • Seats managed by one admin
Join the pilot
Questions

What people ask first.

Is this the clinic's exact contract rate?

It is the rate the insurer publishes for that contract, as of the file date shown. Treat it as a strong reference, not a quote.

Is any patient data involved?

No. The data is public price information and the public provider registry.

Does it cover Medicare Advantage?

No. Medicare Advantage and Medicaid managed care plans are not required to publish rates. Medicare itself is shown as the benchmark.

Why are there two medians?

Per clinician shows what a typical doctor is paid. Per contract shows what a typical practice gets. Large groups pull the first one up.