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See the real price before you get the bill.

Get a Rede on it.

Hospitals and insurers must publish their prices by law, in files almost nobody can read. Rede reads hospitals' price files and shows prices near you on a map, each labeled with its price type and source. Coverage is still growing. Then it reads your bill back to you, line by line.

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No card, ever. No health questions.

See how each price is labeled.

The whole journey

Before the care, after the bill, and everything the price touches.

Six moves, in the order you’ll meet them; each one opens its chapter below. Every figure is an example, drawn to show the shape.

  • Example

    Priced on the mapBefore care

    Places whose price file Rede has read, with distance and dollars side by side, and a blank where the file lists no price.

  • Example

    Cash or plan, whichever is lessSee the price

    Both paths from the same numbers, the cheaper one flagged.

  • Example

    Cheaper a few miles awaySee the price

    The same service where Rede has a usable published price for it, a few miles away or further.

  • Example

    Your bill, read line by lineAfter the bill

    Each charge against what was published, each code explained in plain language.

  • Example

    Appeals drafted, or avoidedComing soon

    A denial’s reason checked against the facts. Plan the visit and there is nothing to appeal.

  • Example

    In sync with your careOn the roadmap

    Records, HSA or FSA and provider portals in one place. Then paying from it.

How it works

Three steps. No insurance card, no member ID, no login.

  1. Where you are, what you need

    A ZIP or an address, and any coded service, drug or item.

  2. Pick your plan from a list

    The part people expect to be hard is the part Rede skips.

  3. Priced places nearby

    On the map, with an honest blank where nothing usable was published.

Try the math yourself

Try the estimate math yourself

3 · Read the number on the right. Fine-tune below if you like; it rebuilds as you go. Nothing here is a quote.

MRI: lower back, no contrast

Sample input price, not a confirmed rate for your plan · example Rede estimate of the patient share, calculated by Rede from the rate and plan inputs shown

Illustration

How one estimate is built, step by step

Start with the rate the plan math uses: an example figure. Your deductible comes off first: you pay that part in full. Then coinsurance, on only what's left. That's the example Rede estimate. Not the sticker price.

Rate the plan math starts from $3,241$1,240
Deductible you pay first −$300
Coinsurance, 20% of the remaining $940 −$188
Example Rede estimate $488

Example figures, shown to explain the math, not a quote. The gross charge is struck because it's the number almost nobody actually pays.

Rate the plan math starts from$1,240
Deductible you pay first$300
Coinsurance, 20% of the rest$188
Example Rede estimate$488
The hospital's sticker charge$3,241
Its published cash price$1,240
Facilities Rede would check within 15 miles14
Example cash price here$1,240

You pay $488 Your plan pays $752

Two ways to pay the same bill

Through your plan $488
Paying cash instead $1,240

The plan math is $752 less here.

The deductible still to go is what usually flips this: through your plan you pay the full negotiated rate until it's met, so a cash price below that rate wins. The catch is that cash paid outside your plan usually doesn't count toward the deductible or the out-of-pocket maximum.

Same service, other places within 15 miles

Imaging centre · 4 miles$480
Community hospital · 9 miles$460
This hospital · here$488

The cheapest place in range is $28 less than here, 4 miles away.

Published prices differ from place to place far more than most people expect, with or without insurance. Rede runs the same math at the places where it has a usable published price for the service (coverage is still growing) and shows the spread on the map, so the question stops being what it costs and becomes where.

Real published prices Sample

Prices from hospitals' own published files within 40 miles of the area's centre, measured recently. Hospital and payer names are theirs. A sample to compare with, not a quote.

Example figures, shown to explain the math, not a quote. The sequence is the one Rede actually runs: deductible first, then coinsurance on what's left, then your out-of-pocket maximum as a ceiling.

The evidence ladder

Every number tells you where it came from.

Five price types, best first. Rede shows the highest rung that exists for your procedure at that place, and a lower rung never overrides a higher one.

An example of what you'd see, and the line it came from: pick a rung

Rung 1 · Negotiated rate Example$1,340Upper endoscopy with biopsy · 43239An insurer group's rate (an Aetna PPO row), from a hospital's own file, January 2026. Not proof of your plan, your network status or your bill. 
example file standardcharges-2026.json · one example row"code|1":"43239", "payer_name":"Aetna", "plan_name":"PPO",
"standard_charge|negotiated_dollar":"1340.00"
Rung 2 · Cash price Example$1,510Upper endoscopy with biopsy · 43239Published self-pay price · the hospital's own file, January 2026 
example file standardcharges-2026.json · the same example row"code|1":"43239", "standard_charge|gross":"3120.00",
"standard_charge|discounted_cash":"1510.00"
Rung 3 · Paid bills Example$1,385Upper endoscopy with biopsy · 43239The middle of 412 settled bills, attested by the hospital. Most landed between $1,090 and $1,900. Some hospitals' own files hold figures like this; the app does not show this price type yet. Where a published spread doesn’t hold together as a record of real paid claims, Rede leaves it out. 
attestation-2026q2.csv · hospital-filedcode,43239 · paid_claims,412 · allowed_p25,1090.00
allowed_median,1385.00 · allowed_p75,1900.00
Rung 4 · Billed charge Example$1,020Upper endoscopy with biopsy · 43239Average billed charge reported to CMS · this practice's Medicare claims, 2024 
Medicare provider utilisation file · per NPIHCPCS_Cd,43239 · Tot_Srvcs,96
Avg_Sbmtd_Chrg,1020.00 · Avg_Mdcr_Alowd_Amt,612.40
Rung 5 · Rede estimate Example$1,290Upper endoscopy with biopsy · 43239Medicare rate × commercial ratio × your area · labeled, every time
“Estimate based on CMS Medicare rates and your plan parameters. Your insurer's negotiated rate may differ. Request a Good Faith Estimate from the provider for exact pricing.”
Rede · arithmetic, not a fileMPFS allowed 860.00 × setting ratio 1.50 (CA, office)
= 1290.00 · price type: Rede estimate · shown only when 1–4 are empty

The amounts beside each rung are examples

Choose a rung to see what that price type looks like

The honesty rule

A confident wrong number costs you more than an honest blank.

Pricing tools fill silence with a plausible figure. Rede leaves the blank, and says why. Nobody can buy a better number here: no placement, no rank, no kinder figure.

When the evidence runs out

No estimate for this one

No estimate

"This facility hasn't published a usable price for this billing code."

A billing code is the number for one specific service; a head CT is 70450.

So that's what Rede says. Before a Rede estimate is shown at all, a capability check suppresses it where the billing evidence contradicts it: no MRI price at an OB-GYN office.

Four price types, never added together (example figures)

Negotiated$1,102an insurer group's rate, from the hospital's file
Cash$1,240the hospital's published self-pay price
Paid$1,180the middle of settled bills, attested by hospitals; not shown in the app yet
Rede estimate$1,160Rede's own arithmetic, always labeled

$1,102+$1,240=$2,342type error

Every figure carries its price type and shows it. Adding two price types is a type error, so Rede never does.

Don’t trust us. Check us.

12.4%

Across 1,196 shoppable comparisons from hospitals' own files, the cash price beat every plan's negotiated rate 12.4% of the time, and at least one plan 38.4% of the time.

Line-item shoppable outpatient codes, bundled rates excluded. A negotiated rate is not what you'd finally owe. Snapshot as of 31 August 2026, not updated since.

Share of comparisons where the hospital's cash price beat the plan's negotiated rate.
PayerComparisonsCash wins
Blue Shield of California23740.9%
UnitedHealth61433.6%
Cigna47831.8%
Aetna89827.8%
Blue Cross Blue Shield87623.5%
Health Net24017.5%

Payers with at least 50 comparisons. Medicare excluded.

After the bill

Most people don't have care coming up. Almost everyone has a bill they couldn't read.

Say the estimate said $612. The envelope says $1,012, and one line isn't on the order. Rede reads it line by line, and when it still doesn't make sense you ask: the assistant answers in plain language, drafts what you'd send, and never acts on your behalf. Four moments, one set of facts:

$400over your Good Faith Estimate, and a federal reviewer decides what you owe. Self-pay only, a limited window, a fee to open a case. Through your plan, the appeal route is yours instead.

Rede drafts; you read, sign and send. Never legal advice.

Choose a moment: before you book, the bill, the denial, or ask the assistant

The same reasoning run forward: the code, the price here against everywhere else, and what to ask for.

Each charge beside what the facility published for that code, and against your plan's own math. Unmatched lines marked unmatched, not guessed.

The stated reason read against the same facts, then the appeal or a script for the call, drafted for you to read and send. Never legal advice; nothing goes anywhere on your behalf.

Ask what any line means. It reads your statement, the hospital’s own file and your plan’s documents, and answers with each source named. Where the evidence runs out, it says so instead of guessing.

Show the reader's running notes, or the row as Rede parsed it

MRI, lower back, no contrast

Billing code 72148

Parsed Example
Cash price$1,240
Aetna PPO, negotiated$1,102
BCBS PPO 500, 85% of gross Rede estimate$2,755
Settled bills, middle of 812 not shown in the app yet$1,180
Gross charge context$3,241
Hospital's estimateblank

Same example row. Two published prices, one Rede estimate, labeled, one settled-bill figure with its count (hospital-attested, not shown in the app yet), one blank left blank.

Why this is even possible

The prices are already public. They're just unreadable.

Federal rules make hospitals publish their cash and negotiated prices, and insurers their rates. The files are public. Reading them is the job.

  • 9–15 GBone payer file
  • Hundreds of MBone hospital file
  • 3+ shapesno common format

We're the intended reader of that rule, not a workaround.

The file behind this text is an example in the shape of a hospital's machine-readable file, read as you watch. Its names and values are samples.

Our data

The public sources Rede reads, each on its own clock.

Each source has its own cadence, parser, refresh clock and provenance record: hospitals' files, insurers' files, Medicare's schedules, Medicaid's, and CMS billed-charge data. Facilities Rede has located are placed on the street they're on. And something watches for the day a file changes. Which of these has a price for a given place varies; how prices work says what Rede counts.

Automated checks guard the arithmetic Rede does itself.

How Rede's data sources become one number Government, hospital, insurer and marketplace data sources converge into Rede, which produces one example Rede estimate, calculated by Rede from sample inputs. Each source, on its own clock EXAMPLE REDE ESTIMATE

Where you are, precisely. Facilities Rede has located are placed on the street they're on, not a city centroid. Distance is in a straight line, not driving time.

Something watches the sources. A reposted schedule, a quietly swapped file: it notices, flags what moved, and may only queue a refresh. The rows above are example rows.

The sources, by name, standing still. One is marked building and is not read yet; one is read in some hospitals' files but not shown in the app yet. Registration of a source is not ingestion, and ingestion is not coverage: a listed source may have no price for the place you are looking at.

  • CMS HPT: hospitals' own published price files
  • Transparency in Coverage: insurers' own published rate files
  • Hospital attestations: settled-bill medians with the count of bills behind them, found in some hospitals' own price files. Rede has read them there; not shown in the app yet.
  • HOPD: Medicare hospital outpatient rates
  • MPFS: Medicare physician fee schedule
  • ASC: surgery-centre benchmarks
  • ASC facilities: CMS surgery-centre directory
  • MS-DRG: Medicare inpatient benchmarks
  • CLFS: Medicare clinical laboratory rates
  • ESRD PPS: dialysis per-treatment base rate
  • Anesthesia: base units × conversion factor
  • NADAC: what pharmacies paid to buy drugs, from a CMS survey (not a counter price)
  • DMEPOS: equipment, supplies, prosthetics
  • GPCI: geographic price factors by state
  • Practitioners PUF: average billed charge per provider, reported to CMS
  • Charge ratios: Medicare-to-billed by setting and state
  • No Surprises Act IDR: out-of-network benchmarks
  • NPPES: national provider spine
  • NPPES facilities: urgent care, imaging, SNF, hospice, more
  • CMS NDF: doctors & clinicians directory
  • CMS POS: RHC, FQHC and CMHC clinics
  • HRSA: health-centre service delivery sites
  • Census: street-level facility geocoding
  • Marketplace PUF: federal plan attributes
  • Covered California: state exchange plans
  • New England SBEs: MA, CT, RI, VT and ME plans
  • Medicaid: managed-care cost sharing by category
  • QHP networks: per-plan provider membership. Building, not read yet.

Who it’s for, and who pays

One price. Four rooms.

One published rate lands in four rooms and every room reads it differently. Rede gives all four the same reading, source attached. The figures on these cards are examples. Patients first: no card to enter, no health questions. The rooms that already carry the cost of care are the ones the cross-facility view is built for.

  • No health questions, here or in the product.
  • No selling your data, and no brokers.
  • No ads, no ad tracking, no advertising profile.
  • No pay-to-rank, no placement, no steering.

How Rede handles your data

  • Patients & families

    The number before you go, the line-by-line check after. On Medicaid, what your category actually carries: often $0 or a nominal copay.

  • Clinicians & practices

    "What will this cost me?" is the last question of the visit. The sourced answer, on the desk.

  • Hospitals & systems Pays for the view

    How a published rate sits beside its peers, and where a cash price is doing more work than a negotiated one.

  • Employers, brokers & plans Pays for the view

    The variation driving the cost of care, read across facilities instead of one at a time.

Roadmap

The whole picture.

One rule runs through every part of Rede: a source for every number, and a blank where it runs out. From the price before you book to the bill after, and finally to the accounts and records around it: here is the shape of it. No dates on this chart, and none of it is for sale.

  1. Prices Each price carries its evidence Negotiated rates, cash prices, average billed charges reported to CMS and Rede estimates, each carrying where it came from.
  2. Place A map that prices where you stand Places whose price file Rede has read and that list a price for the same service: distance and dollars side by side.
  3. Reality What settled bills came to Hospital-attested settled-bill figures, with the count behind each one. Some hospitals' own price files hold them and Rede has read them; this price type is not shown in the app yet.
  4. Networks Network status from the source Published by the insurer, read by Rede, never inferred from a directory.
  5. After the bill The bill you already have Line by line against what was published, and the federal $400 route where it's yours to use.
  6. Understanding Your bill, explained Billing codes in plain language, and a denial's stated reason checked against the same facts.
  7. Connected In sync with your care Your records, your FSA or HSA and your providers' portals, so estimates, bills and payments meet in one place.
  8. Paying Settle it from the app Pay the fair number, from the account you choose, with the record attached. A later goal, held to the same rule.

Know your price. Pay the fair one.

One form for everyone, including people who want to help build this. Tell us who you are, and a human replies.

Whichever you are, the same form reaches a human. Investors and partners: say which part you want to dig into and we'll send the materials and a technical walkthrough. We are actively building the team: if you want to help build Rede, say what you'd like to work on. Test users get one email when their area opens. Newsletter readers get occasional notes, nothing else.

No medical details, please.

See what we collect.

Your email is used to reply and, if you asked for updates, for occasional news about Rede. Nothing else. Never sold or shared, and every message has a one-click unsubscribe.

Questions

The things people ask first.

What does it cost to look?

There is no card to enter and no health questions; a search asks for neither. What Rede will cost, and to whom, is still being set, so this page promises nothing about price in either direction.

Then who pays for it?

The cross-facility view is built for the organisations that carry the cost of care, and they are the ones expected to pay for it. We've ruled out selling your data, pay-to-rank placement, and steering you anywhere because it pays us.

Do you need my insurance card?

No. You pick your plan from a list. There's no card to upload, no member ID, and no logging into your insurer.

How accurate is it?

We won't give you a percentage, because there's no ground truth to measure one against, and anyone quoting you an accuracy figure for this should be asked how they computed it.

What we do instead is tell you what type of price you're looking at: a negotiated rate from the hospital's own file, its published cash price, an average billed charge reported to CMS, or a labeled estimate. That's a claim we can actually stand behind.

Do you keep my searches?

We don't run advertising, ad-tracking, or build advertising profiles about you, and we don't sell or broker personal data. The page does load a few outside services (fonts and the like) and some set their own cookies. There's more in what we collect, and the page works with them blocked.

What you send in the form is kept by Rede, with a service provider, and used only to confirm your sign-up and to email you about Rede, which you can stop at any time.

In the product, estimate session identifiers are salted and hashed before anything is logged, we ask no health questions, and you can export your own data. The coverage-pathway guide makes no network requests at all.

How do you say “Rede”?

It rhymes with read: “REED”. It's an old English word for counsel or advice: to rede someone is to advise them. Hence “get a Rede on it”.