Product methodology
ClearRate for Employers
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 employer plan slice; Nashville employer plan map
Product Question
Finds materially high negotiated rates inside an employer's plan network.
Primary Sources
- CMS Transparency in Coverage — Negotiated rates between payers and in-network providers
- CMS Hospital Price Transparency — Hospital-published standard charges and payer-specific negotiated rates
- CMS Medicare fee schedules — Benchmark anchors for relative rate comparison
Entity-Graph Join
`payer_id`, employer EIN, `npi`, `ccn`, `procedure_code`, market geography.
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
Peer-market benchmarks are computed within geographic and facility-class cohorts. Methodology, cohort definitions, and limits are disclosed in every engagement.
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.