The Marketable Artifact
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Every Quarter.
One page. One headline number. Three to four dollarized findings. A methodology you can audit. Delivered quarterly for every employer in your book.
Rate Competitiveness Scorecard
Acme Manufacturing Co.
Plan Year 2026 · ~3,200 covered lives
Period
Q3 2026
Rate Index
Your contracted rates index at 112 — 12% above the 50th-percentile peer benchmark for your metro and procedure mix.
+3
vs. Q2 2026 (trending less competitive)
+$1.84M
Annual variance above peer median
Key Findings
Inpatient Surgical Procedures
Per surgical episode
1. Inpatient Surgical Procedures
Per surgical episode
Re-bid hospital contract; major orthopedic procedures driving the variance.
Imaging (MRI / CT)
Per study
2. Imaging (MRI / CT)
Per study
Steer outpatient imaging to freestanding centers; current site-of-service is 80% hospital-based.
Emergency Dept. Facility Fees
Per ED visit
3. Emergency Dept. Facility Fees
Per ED visit
Two facilities driving 80% of variance — flag for tiered network design at renewal.
Specialty Pharmacy
Per member per year
4. Specialty Pharmacy
Per member per year
Existing PBM contract performing well; protect terms in renewal negotiation.
Methodology & Data Provenance
October 15, 2026
v2.1 · Published at medicalbills.com/methodology
Independent attestation in progress
47 self-funded employers in DFW metro, manufacturing & adjacent, 1,500–8,000 lives
MRF coverage: 6,200 hospital systems, ~82% of US in-network claim volume. Variance reflects contracted rates normalized for site of service and bundled-procedure inclusion.
Prepared by MedicalBills.com · In partnership with [Broker of Record]
Confidential — Plan Sponsor Use Only
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