BRANMOOR
SUNDAY · 07 JUNE 2026
BranmoorHealth
ClearRate for Patients › Tennessee · Preview
BETA — TENNESSEE MVP.  Facility rates sourced from CMS Hospital Price Transparency MRFs and Medicare Fee Schedule. Estimates are not a guarantee of charges. How this works.

Hospital price transparency · 21 facilities · Tennessee

What will this actually cost me?

Enter a medical service, your insurance, and your ZIP — anywhere in Tennessee. Get a ranked list of nearby facilities sorted by estimated out-of-pocket cost — lowest first. No account. No upsell. Primary-source rates from hospital and payer price transparency files.

Not sure which insurance type to pick? This tool separates Marketplace plans (bought on your own) from Employer/Group plans (through your job) because their rates are structured differently.

Plain-language guide (PDF)
    Please select a service from the list. 50 services across imaging, procedures, labs, PT/OT, and office visits.
    Select your state to see available plans.
    Please enter a valid ZIP code.
    Please select your insurance company. Enter your ZIP code above to load available carriers. Don’t see your plan? Farm Bureau Health Plans of Tennessee and TennCare (Medicaid) are not subject to federal price transparency rules and cannot be included here.
    Please select your plan. Your plan name is on your insurance card or EOB.
    How much of your deductible you still owe before insurance pays its share.
    Once you hit your OOP max, insurance covers 100%. Leave blank to skip this cap.
    20%
    Auto-filled from your plan when available. Adjust if your plan uses different rates per service type.
    Preview only. Full market access is licensed.
    Estimate — not a guarantee of charges

    Facility rates are sourced from CMS Hospital Price Transparency machine-readable files (where available) and Medicare Fee Schedule × TN commercial multiplier estimates for non-hospital facilities. Patient responsibility estimates apply your deductible and coinsurance to the facility rate — they do not include professional fees (physician, anesthesiologist, or radiologist), which are billed separately. Methodology.

     

    Results

    Like ClearRate for Patients? The Branmoor Brief covers healthcare’s primary-source data every week — drug shortages, enforcement actions, hospital financial signals, and payer changes. Written for clinicians, supply managers, and patients who want to understand the system.

    How ClearRate for Patients estimates your cost

    The real ClearRate for Patients will pull negotiated rates from CMS-mandated price transparency files: Hospital Price Transparency machine-readable files (published by every U.S. hospital) and payer Transparency in Coverage files (published by every commercial insurer). These are the first comprehensive public sources of what a specific payer actually pays a specific facility for a specific service.

    For each search, ClearRate for Patients looks up the negotiated rate for your payer at each in-network facility within your ZIP’s driving radius. It then applies your remaining deductible and coinsurance to compute an estimated patient responsibility — the number you’d actually owe, not the chargemaster rate or the “self-pay” estimate.

    Results show a range because the facility rate covers the technical component (the room, the equipment, the hospital’s charge). Professional fees — the physician or radiologist who reads the result — are billed separately and vary. ClearRate for Patients shows the typical professional fee range for each service type so the estimate is honest about its own limits.

    What ClearRate for Patients won’t show: services where only percentage-of-charges rates exist (not a real dollar figure). Hospitals that haven’t posted usable machine-readable files will appear with “Rate not available” and a link to the hospital’s price transparency compliance status.

    Full sourcing details, estimation methodology, and known limitations are documented on the ClearRate methodology page. Information published here is not medical advice.