Every rate. Every network. Every carrier. One data layer.

For each carrier you're underwriting, we compute the percentile rate-depth vs Medicare at the specialty level, across the states where that carrier has real MRF coverage. The output reads like a credit bureau report — not a marketing one-sheet.

The visible highlight: cells where a carrier is thinly discounted relative to peers are flagged automatically. Those flags are your laser-risk early warning.

Drop a historical claims CSV. Pick a target carrier. We reprice every line through that carrier's MRF-published rates and return the dollar delta — per claim, per CPT, per member.

The answer you get is rooted in negotiated rates, not the carrier's self-reported allowed amounts. For stop-loss renewal modeling, this replaces the "estimated savings" spreadsheet with audited evidence.

Model spec attachment and aggregate corridor across network options, using the same MRF-indexed rates that drive the rest of the platform. The modeler is deliberately simplified (documented in-product) — the value is rate-grounded forward projection, not a full actuarial replacement.

Currently in beta. See the product for methodology transparency.

For any plan you oversee or underwrite, we score the fiduciary health of the downstream vendors: PBM spread vs NADAC, leakage (OON claims that should be in-network), and carrier-allowed rate vs MRF-published rate divergence.

Every grade is backed by a provenance block — source, sample size, methodology. Defend the grade in audit or in court.