New: Medical tourism, top 5 accredited hospitals per procedure →

Your plan pays $45,445 for a $14,741 spinal fusion.

Your network has a published price for every procedure, at every facility. TruePrice reads those prices and delivers them in a format your employees understand and can act on prior to treatment, otherwise they never even know they have options.

Does not include anesthesia or implant.

See what your plan overpaid
01 · Data science

Since 2022 every insurer has been required to publish their negotiated rates.

Unfortunately it’s in files that are virtually impossible to read. We read it for you, translate it, parse it and deliver it to your team in an easy to read, actionable format.

17.5MRates in Texas alone
163Different spellings of the same payer, matched into one

Network rates

Every major payer's Transparency in Coverage file, parsed to the CPT code.

Accuracy

Ghost rates filtered by NPI, taxonomy and Medicare volume.

Quality

CMS infection, readmission and volume data for every facility.

Member exposure

Each procedure is priced to account for the deductible and out-of-pocket max.

Spinal fusion, Austin, in network.

Lumbar spinal fusion · CPT 22633 · BCBS Texas · facility + surgeonExample
High network rateSt. David’s North Austin Medical Center
$45,445
Network rateBaylor Scott & White Medical Center – Austin
$23,667
Low network rateAscension Seton Medical Center Austin
$14,741

Network rows: BCBS Texas facility rate + spine surgeon rate. Does not include anesthesia or implant.

155 published rates for CPT 22633 at Texas facilities that perform it. Facility rate + surgeon rate. Does not include anesthesia or implant.

What is a Bundled Cash Price?

A bundled cash price is one single price for an entire medical procedure. You make one upfront payment, that’s it. This is not a “discounted bill.” There is no bill. Payment is made prior to service. It is a transparent, predictable transaction for your healthcare.

The Operating Room Bill

The facility charge. The bill often arrives weeks after surgery.

The Surgeon Bill

A separate charge for the doctor’s time and expertise.

The Anesthesiologist Bill

The anesthesiologist is billed separately and is not usually included in the service price.

The Never-Ending Bills

Four months later, your employee is still opening envelopes.

What Exactly is Medical Tourism?

Simply put, medical tourism is the practice of traveling globally to receive healthcare services. Today, high-quality healthcare is no longer bound by geography. Millions of patients every year cross international borders to get high-quality surgeries, dental makeovers, fertility treatments, and specialized care.

Hip replacement cost in Texas. See Ruth sort them.

Your employee needs a hip replacement. There are over 70 published in-network negotiated rates for this procedure in Texas. Ruth converts this request into a priced episode and compares it across every option on the member’s plan with a universal search result that not only includes the high and low negotiated rates, but also bundled cash and high value medical tourism options.

65published in-network negotiated rates for one hip replacement, $10,883 to $72,291

65 published network prices for CPT 27130 at Texas facilities that perform it. Facility + surgeon + anesthesia. Does not include implant.

Compliance

You're responsible for what your plan pays.

Can you prove $45,445 for a spinal fusion was reasonable?

03 · Plan intelligence

Get a head start on your renewal.

Forecast back-tested within 2.9–8.9%.

2.9–8.9%12-month forecast error, back-tested on two national MEPS panels
12 moForecast horizon, updated from member searches in Ruth
04 · Promote literacy

86% of employees don’t know what deductible, coinsurance, copay or out-of-pocket max mean, and you wonder why they don’t make fiduciarily responsible decisions.

Of adults with employer coverage, 14% correctly defined all four of deductible, copay, coinsurance and out-of-pocket maximum. Loewenstein et al., Carnegie Mellon, Journal of Health Economics, 2013

The Impact of a Single Definition

What happens when an employee learns the difference between a hospital estimate and a transparent bundle?

Without Literacy

Your employee gets a surgery referral from their doctor and uses the hospital attached to that physician.

$45,400+
With Literacy

The app flags the term, explains what the estimate leaves out, and guides them to the lowest-priced hospital in the network that performs it. The same surgery is $14,741 there.

$14,741

Upload your claims file, and I will show you where your overpayment exposure is.

Claims compared to the payer's own published rates, highest and lowest in your market.

Overpayment