Private beta — the early-access list is open
See the real price before you get the bill.
Get a Rede on it.
Hospitals are required by law to publish what they charge — in files almost nobody can read. We're building Rede to read them, apply your actual plan, and show what you'd owe before you go, with the source of every number labelled.
Free to search. No card, ever. No health questions.
Some of these published prices carry a count of the real bills behind them.
Try the estimate math yourself
MRI — lower back, no contrast
In-network hospital outpatient · your plan applied
Drag any slider — the estimate rebuilds as you go.
Your out-of-pocket maximum kicked in — it caps what you can owe, so the estimate stops here.
No plan math applies without insurance — you pay the facility's published cash price. So the lever is which facility: Rede takes your ZIP or address and compares every one in range, because those published prices differ from each other far more than most people expect.
You pay $488 Your plan pays $752
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.
How it works
Three steps. No insurance card, no member ID, no login.
The thing most people expect to be hard — proving who you are and what you're covered for — is the part Rede skips entirely.
-
Tell us where you are and what you need
A ZIP code or an address, and the procedure or service you're looking for.
-
Pick your plan from a list
No card to upload, no member ID, no logging into your insurer. Just find your plan.
-
See what you'd owe at each facility nearby
Or an honest blank, where we don't hold a usable price for that place and code.
How a number gets built
How Rede builds one estimate, step by step
Start with what the hospital actually published. Your deductible comes off first — you pay that part in full. Then coinsurance, on only what's left. That's your estimate. Not the sticker price.
Example figures, shown to explain the math — not a quote. The gross charge is struck because it's the number almost nobody actually pays.
Why this is even possible
The prices are already public. They're just unreadable.
Under the federal Hospital Price Transparency rule, every US hospital must publish a machine-readable file of its cash prices and payer-negotiated rates. The Transparency in Coverage rule requires insurers to publish theirs monthly.
The catch is the format. A single payer file can run 9–15 GB. Hospital files run to hundreds of megabytes and arrive in at least three incompatible shapes. The regulators said plainly that they expected third-party developers to download, process and compile this data.
We're the intended reader of that rule, not a workaround.
A real shape from a hospital machine-readable file. Flip the switch — that's the entire job.
The honesty rule
A confident wrong number costs you more than an honest blank.
Pricing tools have a habit of filling silence with a plausible-looking figure. That's how people walk in expecting one price and walk out owing another. Rede is being built the other way around: where the source runs out, so do we. Both of these are outcomes by design.
When the data is there
MRI — lower back, no contrast
In-network hospital outpatient · your plan applied
Example figures, shown to explain the math — not a quote.
When it isn't
No estimate for this one
No estimate"This facility hasn't published a usable price for this billing code."
A billing code is the standard number a provider uses for one specific service — the MRI above is 72148.
So that's what Rede says. Before we'll show a modeled number at all, a capability check suppresses it where the billing evidence contradicts it — we won't quote you an MRI price at an OB-GYN office.
Realized prices
A rate is an agreement. This is what actually happened.
Hospitals have long had to publish the rates they negotiated. Under the federal rules now in force, a growing part of that record has to carry something further: what those arrangements actually came to in practice — the amounts payers really allowed on bills that were really paid, with the count of claims behind each figure. The file it arrives in is attested by a senior official at the hospital. We're building Rede to read those filings and show you that number with its count still attached.
That count is the part nobody is used to seeing. Twelve bills and twelve hundred bills are not the same evidence, and here you can tell them apart at a glance.
And where a hospital's published spread doesn't hold together as a record of real paid claims, we're building Rede to leave it out rather than dress it up. A figure that clears that check has earned its place on the page.
What people actually paid here
MRI — lower back, no contrast
Allowed amounts from settled bills
Example figures, shown to explain the shape — not a quote. An allowed amount is the total the plan and the patient together pay the facility; what you'd owe out of that depends on your plan.
The four rungs of evidence
The evidence ladder
Every number tells you where it came from.
Rede prefers real evidence over its own model, in a fixed order that's enforced in code. The model never overrides real data — it only fills in where nothing real exists, and it says so when it does.
When you see a modeled figure, this is the disclosure that travels with it, word for word:
“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.”
Receipts
Don't trust us. Check us.
12.4%
Across 1,196 shoppable comparisons drawn from hospitals' own published files, the cash price beat every insurance plan's negotiated rate 12.4% of the time — and beat at least one plan 38.4% of the time.
Method, so you can judge it: line-item shoppable outpatient codes drawn from hospitals' own published files; bundled rates excluded. A negotiated rate is not the same as what you'd finally owe. Measured 31 August 2026.
| Payer | Comparisons | Cash wins |
|---|---|---|
| Blue Shield of California | 237 | 40.9% |
| UnitedHealth | 614 | 33.6% |
| Cigna | 478 | 31.8% |
| Aetna | 898 | 27.8% |
| Blue Cross Blue Shield | 876 | 23.5% |
| Health Net | 240 | 17.5% |
Payers with at least 50 comparisons. Medicare excluded.
Before the care. Not after the bill.
Nobody can buy a better number here. That is why we can build the whole picture.
Most products in this category are paid by someone with a seat at the negotiating table — a hospital, a plan, an employer. Whoever pays for the answer shapes what the answer may contain. Here nothing is for sale: no placement, no rank, no kinder number. It is also why we can afford a blank where the evidence runs out. A blank is expensive for a sponsor. It is cheap for us.
What we're building to
A dollar carries its kind
A rate your plan negotiated, a cash price a hospital published, a bill someone actually paid and a modelled estimate are four different things — and a visit is usually several at once, from separate parties. We're building Rede so every figure carries its kind, shows it, and is never added to a different kind. Not a rule someone remembers. A type error.
One thing a plan will always hold that Rede won't: for its own member, in its own network, it has the contract and the running deductible. That's theirs, and it's ground truth. We're building the other axis — across plans, across facilities, cash included.
After the bill
Most people don't have care coming up. Almost everyone has a bill they couldn't read.
Planning ahead is the easier story. It isn't the more common one. Usually the envelope has already arrived and the number doesn't explain itself. That's the case where the law already hands some people a process with a decision at the end.
$400
The statutory threshold in the No Surprises Act. If you're uninsured — or insured and paying for a service yourself rather than through your plan — you're entitled to a Good Faith Estimate before scheduled care. If the bill lands $400 or more above it, you can take the gap to federal patient–provider dispute resolution: an independent reviewer decides what you owe, and that decision binds both sides.
the gap — $400 or more, and it’s disputable
It doesn't guarantee the bill goes away, and it isn't instant: there's a limited window after the bill arrives and a fee to open a case, so the date on the envelope is the first thing to check. Run the care through your plan and this particular route isn't yours — your plan's appeal is, and the Act's surprise-billing protections can still apply.
In build now, for that moment
- The bill read a line at a time — each charge beside what that facility published for that code, and against your plan's own math. Unmatched lines marked unmatched, not guessed.
- Routing to the route that fits your situation — and plainly, when none does.
- Drafting the dispute, the appeal, or a script for the call — for you to read, sign and send. Nothing goes anywhere on your behalf.
Rede is being built to read the records and draft what you choose to send — not to give legal advice, and never to act for you. Deadlines and eligibility are set by the rules; check yours.
Our data
Twenty-six government and marketplace sources, and counting.
Rede doesn't scrape a price once and call it true. Every source below has its own cadence, its own parser, its own refresh clock and its own provenance record — and the list keeps growing.
The 26 running todaythe same names, standing still
- CMS HPT — hospitals' own published price files
- 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 — drug cash prices
- DMEPOS — equipment, supplies, prosthetics
- GPCI — geographic price factors by state
- Practitioners PUF — real per-provider billed charges
- 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
211,282
Locations in our directory, across 13 facility types. A location, not a price — some types are location-only by design.
10,897
Procedure and service codes, every one with at least one real price row behind it.
1,564,574
Market-observed price points across 51,718 facilities — 836,617 from hospitals' own files, 727,957 real billed charges.
All figures measured 31 August 2026, and growing. Nearly two thousand automated checks guard the maths behind them.
In build now
Two things have to work before a price is any use.
Knowing where you are. Knowing the file you're quoting from hasn't gone stale. Neither is glamorous. Both are most of the work, and both are what we're building now.
Where you are, precisely
Facilities placed on the street they're actually on, not dropped on a city centroid, so that ten miles means ten miles. Distance as a filter, not a sort — because without insurance, which facility you pick is most of the decision.
Something has to watch the sources
CMS reposts a schedule. A hospital quietly swaps out last year's file. We're building the layer that notices: it reads, it flags what moved, and the single action it may take is to queue a refresh. It never sets a price, and it never decides what a number means.
Who it serves
One price. Four rooms.
A hospital publishes a rate. It lands in four different rooms, and every room reads it differently — or never reads it at all. Rede is being built so all four get the same reading, with its source attached. Patients first: that's where the bill lands.
Patients & families
The bill arrives and nothing on it matches what anyone told you. We're building the number you get before you go — facility, physician, imaging, lab work, priced as separately as they'll arrive — and the line-by-line check for after. Uninsured or on Medicaid the question is a different one, and we're building for that too: a coverage guide that keeps your answers on your device, and what your eligibility category actually carries, often $0 or a nominal copay, not a sticker price you were never going to pay.
Clinicians & practices
“What will this cost me?” is the last question of the visit and the worst-served one on the desk. We're building the grounded, sourced answer that ends the shrug.
Hospitals & systems
The files are already published because the rule requires it. Almost nobody reads them back. We're building the view that shows how a published rate sits beside its peers, and where a cash price is doing more work than a negotiated one.
Employers, brokers & plans
They carry the cost of care and can't see the variation driving it. We're building the view that makes it legible — the same evidence, read across facilities instead of one at a time.
The catch
Free to search. Here's the plan for paying for it.
There is no card to enter, because there is nothing to charge. Eventually something pays for this. The likeliest route is organisations already carrying the cost of care, where finding a lower price on a shoppable service is worth the same to them as to you. We're still working that out, and we'd rather say so than announce a model we haven't tested. What we're not doing is charging you to see a price.
Three ways we have decided not to make money: selling your data, pay-to-rank placement, steering you somewhere because it pays us.
- No health questions. Ever.
- We don't sell personal data, and we never share it with brokers.
- No advertising, no ad-tracking, no behavioural profile of you.
- Your data stays yours.
This page loads two outside services: web fonts, and the support button in the corner, which opens its provider's own window if you click it. Neither advertises or ad-tracks, neither receives anything you type into this page, and the page works with both blocked. Better that than claim zero third parties — a promise that expires the day you add one.
Where things stand
Said plainly, before you ask.
Rede Origins, LLC — formed and active. Private beta, founder-built; the app will live at rede.care. The rules were set before the code: no health questions here or in the product, roster handling designed to reject identifier-shaped columns outright rather than accept and scrub them, and reporting built to carry no dollar figures at all.
Roadmap
We're building this in the open.
Rede is pre-launch, and we'd rather show you the build than a brochure. Here's what already holds up, what we're building on it now, and where it goes next.
- Already in the build Prices labelled with their evidence Every figure carries where it came from, drawn from the published record.
- Already in the build What settled bills actually came to Allowed amounts from bills that were really paid, with the count of claims behind each one.
- In build now More published files, ingested Every file a provider posts is another price straight from the source.
- In build now The bill you already have The line-by-line check, and the federal $400 route where it's yours to use.
- Next Network status from the issuers' own files Published by the issuer, read by us, not inferred from a directory.
No dates on this chart, and no promises: each stage lands when the evidence behind it holds up, and not before.
Know your price. Pay the fair one.
Rede is opening in stages. Tell us which one you are — a human replies, so you know it landed.
You want to use it. Join the beta. Free to search, no health questions, leave whenever you like. One email when we open where you are.
You want to fund it, build on it, or write about it. Ask for the materials and a technical walkthrough. Say which part you want to dig into.
You're here for an organisation. Employers, brokers, plans, health systems: tell us what you'd need to see, and we'll show you what's in build and what's next.
Prefer email? Write to amagown@rede.care.
Questions
The things people ask first.
Is it free?
Searching is free, and there's no card to enter — there isn't a payment system in the product at all. If that changes, it won't change retroactively for people who joined the beta.
Then who pays for it?
Not you. We're still working that out, and we've already 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 kind of number you're looking at: a negotiated rate from the hospital's own file, its published cash price, a real billed charge, 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 profiles about you, and we don't sell or broker personal data. The page does load a few outside services — fonts, a support button and the like — and some set their own cookies. There's more in what we collect, and the page works with them blocked.
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”.