Find Coverage Gaps in Your Insurance
Select your insurance payer and procedures you might need. We'll check which hospitals near you have negotiated rates — and flag gaps where you could face full out-of-pocket costs.
Your Insurance Info
We'll find hospitals in your state
Start typing to search payers with rates in your state
What This Tool Does
Scans Real Rate Data
We check hospital_payers and price_summary data to see if your payer has negotiated rates at facilities in your state.
Flags Coverage Gaps
If your payer has no negotiated rates for a procedure at any hospital near you, that's a coverage gap — you could face full charges.
Suggests Alternatives
For each gap, we suggest nearby facilities that do have rates for that procedure — so you can plan ahead.
Estimates Risk Exposure
See the potential out-of-pocket cost if you need a procedure at a facility with no negotiated rate for your payer.
Important Note
This tool uses publicly reported pricing data. Always confirm network status directly with your insurer before scheduling care.