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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 them all, applies your actual plan, and shows what you'd owe at every place near you before you go, on a map. Then it reads your bill back to you, line by line.

Join the waitlist Investor, partner, or want to join? Reach out

No card, ever. No health questions.

Some of these published prices carry a count of the real bills behind them.

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.

  • Priced on the mapBefore care

    Every place in range, priced for you. Distance and dollars side by side.

  • Cash or plan, whichever is lessSee the price

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

  • Cheaper a few miles awaySee the price

    The same service at other places, near you or across the country.

  • Your bill, read line by lineAfter the bill

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

  • Appeals drafted, or avoidedAfter the bill

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

  • 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. Every place nearby, priced

    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

In-network hospital outpatient · your plan applied

Illustration

How one estimate is built, 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.

Hospital's published price $3,241$1,240
Deductible you pay first −$300
Coinsurance, 20% of the remaining $940 −$188
Your 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.

Hospital's published price$1,240
Deductible you pay first$300
Coinsurance, 20% of the rest$188
Your estimate$488
The hospital's sticker charge$3,241
Its published cash price$1,240
Facilities Rede would check within 15 miles14
What you'd pay 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

Your plan 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 every facility in range — or anywhere in the country — 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 kinds of number, best first. Rede shows the highest rung that exists for your procedure at that place, and a lower rung never overrides a higher one.

What you'd see, and the line it came from — pick a rung

Rung 1 · Negotiated rate$1,340Upper endoscopy with biopsy · 43239Aetna PPO · from the hospital's own file, January 2026 
standardcharges-2026.json · one row of 1,203,118"code|1":"43239", "payer_name":"Aetna", "plan_name":"PPO",
"standard_charge|negotiated_dollar":"1340.00"
Rung 2 · Cash price$1,510Upper endoscopy with biopsy · 43239Published self-pay price · the hospital's own file, January 2026 
standardcharges-2026.json · the same row"code|1":"43239", "standard_charge|gross":"3120.00",
"standard_charge|discounted_cash":"1510.00"
Rung 3 · Paid bills$1,385Upper endoscopy with biopsy · 43239The middle of 412 settled bills, attested by the hospital. Most landed between $1,090 and $1,900. 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$1,020Upper endoscopy with biopsy · 43239What this practice billed Medicare · CMS 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 · Modeled estimate$1,290Upper endoscopy with biopsy · 43239Medicare rate × commercial ratio × your area · labelled, 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 · kind: modeled · shown only when 1–4 are empty
Choose a rung to see what that kind of number 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 modeled number is shown at all, a capability check suppresses it where the billing evidence contradicts it — no MRI price at an OB-GYN office.

Four kinds of dollar, never added together

Negotiated$1,102your plan's rate, from the hospital's file
Cash$1,240the hospital's published self-pay price
Paid$1,180the middle of bills that really settled
Modeled$1,160Rede's own arithmetic, always labelled

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

Every figure carries its kind and shows it. Adding two kinds 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. Measured 31 August 2026.

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
Cash price$1,240
Aetna PPO, negotiated$1,102
BCBS PPO 500, 85% of gross computed$2,755
Settled bills, middle of 812$1,180
Gross charge context$3,241
Hospital's estimateblank

Same row. Two published prices, one computed and labelled, one realized with its count, 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 a real shape from a hospital's machine-readable file, being read as you watch.

Our data

Every public source there is, read on its own clock.

Every source on its own cadence, with its own parser, refresh clock and provenance record: hospitals' files, insurers' files, Medicare's schedules, Medicaid's, and the claims behind them. Every facility placed on the street it's on. And something watching for the day a file changes.

Thousands of automated checks guard the maths behind every figure.

How Rede's data sources become one number Government, hospital, insurer and marketplace data sources converge into Rede, which produces a single estimate for one person. Every source, on its own clock ONE NUMBER, FOR YOU

Where you are, precisely. Facilities placed on the street they're on, not a city centroid, so ten miles means ten miles. A price index built by place sits on top.

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

The same names as the beams, standing still. Each one is read on its own clock, with its own parser and provenance record.

  • CMS HPT — hospitals' own published price files
  • Transparency in Coverage — insurers' own published rate files
  • Hospital attestations — realized prices with the count of claims behind them
  • 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

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. 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 tracking, no profile of you.
  • No pay-to-rank, no placement, no steering.

The rules, set before the code

Rede Origins, LLC; the app lives at rede.care. Roster handling rejects identifier-shaped columns outright, and reporting carries no dollar figures at all.

  • 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 Every price, with its evidence Negotiated rates, cash prices, real billed charges and labelled estimates, each carrying where it came from.
  2. Place A map that prices where you stand Every facility in range, priced for the same service — distance and dollars side by side.
  3. Reality What settled bills came to Allowed amounts from bills that were really paid, with the count of claims behind each one.
  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 Every code 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 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”.