Product methodology
ClearRate for Patients
Source contract, normalization path, entity-graph join, refresh posture, and publication limits for this Branmoor product.
Status
In service. This product has a functional preview or paid engagement surface in the current site. The full licensed product may still include private exports, alerts, APIs, or buyer-specific diligence that are not exposed publicly.
Distribution Scope
Nationwide; TN slice; Nashville patient lookup
Product Question
Ranks nearby facilities by estimated out-of-pocket cost for a service and plan.
Primary Sources
- CMS Hospital Price Transparency MRFs — Negotiated rates per facility, per service, per payer
- CMS Transparency in Coverage MRFs — Payer-negotiated rates across in-network providers
Entity-Graph Join
`ccn`, `npi`, `payer_id`, `procedure_code`, `zip5` -> facility and payer entities.
Publication Rule
Branmoor does not treat raw public records as the product. A surface is publishable only when the source record is dated, normalized, source-linked, and joined to the relevant Branmoor entity identifiers with enough confidence to state the limits of the result.
Current Methodology Note
Rates are sourced from hospital and payer machine-readable files as required under CMS price transparency rules. Patient responsibility estimates apply user-supplied cost-sharing parameters to the negotiated rate.
Limits
Coverage follows the underlying source. Missing state portals, gated APIs, PDF-only filings, suppressed fields, lagged agency refreshes, and entity-name ambiguity can all limit product completeness. Pending products are not marketed as live until those limits are documented on the product surface.