We process these files continuously — not as static datasets
We show current market conditions, not outdated snapshots
Altitude Intelligence is built on payer-published Transparency-in-Coverage (TiC) machine-readable files — the same files federal rule requires every commercial payer to publish monthly. We process them at national scale and make them useful for contracting decisions.
What this actually lets you see
Where you are underpaid relative to market.
Which procedures drive the most financial opportunity.
How your rates compare across payers and sites of care.
Where to focus negotiation efforts first.
Source data
We process in-network rate files published under CMS's Transparency in Coverage rule. The files are JSON, often 30+ GB unzipped per payer, and contain negotiated rates between commercial payers and in-network providers at the CPT/HCPCS code level.
We ingest files across both of the schema versions in active use (1.x and 2.0), handle the plan-instance-level structure different payers organize their files around, and reconcile the heterogeneity between payers so the data is comparable across them.
Payers are required to publish updated files monthly. Our processing reflects the most recent available publication for each payer.
Payer coverage today
Processing at production scale
- Blue Cross plans — Arizona, Florida, Massachusetts, and Michigan
- Cigna (national)
- Optum Behavioral Health (national)
- Regional payers including MassGeneralBrigham Health Plan, Oscar, and Point32Health
- UnitedHealthcare (national)
- Percent-of-Medicare anchoring for outpatient/OPPS, ASC, and professional settings; inpatient normalization in progress
On the roadmap
- National Blue Cross / Anthem coverage
- Percent-of-Medicare for inpatient setting (MS-DRG / APR-DRG normalization in progress)
- Additional commercial payers prioritized by client request
Geography
We currently cover national networks from UnitedHealthcare and Cigna, along with regional payers in Arizona, Florida, Massachusetts, and Michigan. We're transparent about coverage on a per-engagement basis — we'd rather tell you the data is thin for a specific payer-state combination than paper over it.
How we process differs from what you'll find elsewhere
Most vendors in this space either sample the files (processing a subset of plans or providers), truncate them (dropping rare or edge-case records), or deliver them as flat API feeds that require the buyer to do their own analytical work.
We process the files at full resolution, maintain a unified multi-payer schema, and build client deliverables on top of the processed data — not under it.
What's not here yet — and why
Out-of-network rate data. In scope for future build.
Allowed amounts files. TiC Phase 2 was deferred by CMS and enforcement is not yet in effect.
Medicare Advantage commercial-equivalent rates. Partially covered today, payer-dependent.
Claims data. A different problem, and not what we do. If you need claims-level analytics, we'll point you to partners.
See what your market is actually paying.
Give us 30 minutes. We'll come prepared with a view of your market, the payers we can benchmark, and where we typically see opportunity.