Payer contract intelligence · for healthcare providers

Know what
you're owed.

Payer requirements change faster than any billing team can track, and claims are now denied by machines in seconds. CRANK reads every contract you've signed, reconciles it against every payment — down to the CPT code — and shows you exactly where the money is leaking. No patient data.

Book a Working Session → See the numbers
app.runcrank.com/dashboarddemo data
CRANK dashboard: contracted vs. posted revenue, at-risk balance, collection rate, and per-contract scorecard
Contracted vs. posted, live. What every contract says you're owed, what actually posted, and the gap between them — the at-risk balance — updated daily, per contract, per code, per location.
The numbers

This isn't a story. It's the operating environment.

Every figure below is from a primary source — government investigations, national surveys, CMS data. Click any of them. This is what your revenue cycle is up against now.

1.2 sec
Average time a Cigna medical director spent per claim denial — 300,000 claims rejected in two months.
77%
Of providers say payer policy changes are coming faster than before — up from 67% two years earlier.
2.1×
Growth in UnitedHealthcare's post-acute denial rate in two years (10.9% → 22.7%) as automation entered claim review.
$25.7B
What providers spent fighting claim denials in a single year — up 23% year over year.
70%
Of fought denials were ultimately overturned and paid. The money was owed the whole time — you just had to prove it.
−22%
Behavioral health clinicians are reimbursed 22% less than medical clinicians for in-network office visits — same visit, less money.
Automated review · Senate investigation
Denial rates doubled as claim review was automated.
24%16%8%0% 10.9% 16.3% 22.7% 202020212022
UnitedHealthcare's denial rate for post-acute care more than doubled in two years — the same period its internal teams explored machine-learning claim review, per a 2024 Senate Permanent Subcommittee on Investigations report built on 280,000+ pages of insurer documents. Source ↗
The appeal gap · CMS data via KFF
Denials work because almost nobody checks.
Denied by MA insurers, 2024 Denials actually appealed Appeals the provider won 7.7% · 4.1M denials 11.5% 80.7%
When providers push back, they win 4 times out of 5. But only 11.5% of Medicare Advantage denials are ever appealed — the other 88.5% of that money is simply surrendered. CRANK exists to make checking automatic. KFF, 2026 ↗
Why now

Three forces, one result: you collect less of what you contracted.

01 · Requirements churn

The rules change faster than your team.

68%
of providers say submitting a clean claim is harder than it was a year ago Experian, 2025 ↗

Amendments cut filing windows. Fee schedules re-issue. Auth rules shift mid-contract. Every unread change becomes a denial code three months later — and 77% of providers say the pace is accelerating.

02 · Machine adjudication

They deny at machine speed. You appeal at human speed.

60%
of physicians are concerned AI is increasing prior-auth denial rates AMA survey, 2026 ↗

Payers now run algorithmic claim review at scale; a federal lawsuit alleges one major insurer's algorithm had a 90% error rate — sustained because almost no one appeals. The only symmetric response is machine-reading your own contracts.

03 · The knowledge gap

Knowing your contracts ≠ knowing how to bill them.

2.7%
of hospital net revenue now lost to final denials and bad debt — $48.4B in one year Kodiak Solutions, 2026 ↗

Rates live in a PDF. Claims live in the EHR. The people who negotiated the deal aren't the people submitting the claims — and nobody reconciles the two, code by code. That gap is where the leak lives.

How it works

Upload the contract. Get the truth back — with receipts.

CRANK turns the dead PDFs in your contract folder into a living, reconciled layer over your entire revenue cycle.

01 · EXTRACT

Read every contract

Drop in a contract — however ugly the payer's lawyers made it. Specialist extraction pulls every rate, rule, code, and date: 88+ structured data points, human-verified.

02 · RECONCILE

Match paper to payments

We connect to your billing system or EHR — carrying zero patient data — and compare what each contract says you're owed against what actually posted, claim by claim.

03 · EXPOSE

Every number, cited

Every rate links back to the page and clause it came from. Every gap gets a dollar figure, a code, and a location. Nothing in CRANK is a black box.

app.runcrank.com/contracts/ORNG-PELICAN-2025demo data
A single payer contract in CRANK: contracted vs posted, at-risk dollars by CPT code, key terms, and action items
One contract, fully reconciled. $510K at risk on this agreement — and CRANK shows exactly where: $352K sits on one billing code paid below the contracted rate since January. The action item to pursue it is already queued.
app.runcrank.com/locationsdemo data
Per-location view: denials by reason code with CARC labels, claims by status, contracted vs posted trend
Denials, by reason, by site. A new location missing its auth workflow shows up as a CO-197 cluster within weeks — not as a seven-figure surprise at year end.
app.runcrank.com/fee-schedulesdemo data
Fee schedules by state: Medicaid and commercial benchmark rates, filterable by code, with cross-state comparison
Your rates vs. the benchmarks. State Medicaid schedules and commercial benchmarks beside your contracted rates — so you walk into negotiations knowing whether $145 for a 90837 is good, bad, or theft.
The Pitch Experience

See it on your own numbers — before you book a call.

An interactive walk through exactly how CRANK reads a payer contract, catches the leak, and puts a dollar figure on it. Enter three numbers about your operation and watch the math run on them — live, in front of you. No slideware, no sales call to get in.

Start the experience →
MCP · works with your AI

Ask your revenue data anything. In your own AI.

CRANK ships a hosted MCP server — the open standard for connecting AI assistants to live systems. Connect it once and your reconciled contracts, claims, and payer scorecards are answerable from Claude, ChatGPT, or any MCP-capable assistant your team already uses.

1

Mint a key

In the app: Integrations → MCP access. Your admin grants it; the key is scoped, read-only, and shown once.

2

Connect your assistant

Add mcp.runcrank.com to Claude, ChatGPT, or any MCP-capable client. One URL, one key — no IT project.

3

Ask in plain English

Every answer is computed live from your reconciled data — the same numbers, citations and all, that the app shows.

revenue_summarypayer_scorecardcontract_scorecardcpt_breakdowndaily_trendlist_claimslist_action_items
Your AI assistantconnected · crank mcp
Which payer owes us the most right now?
Pelican Care$510,372 at risk on ORNG-PELICAN-2025.

• 69% of it sits on H0015 (IOP): paid $212.50 against a contracted $250.00 since Jan 13 — 5,478 claims affected.
• Collection on this contract is 65% vs. your 91% book average.
• DSO: 39.3 days.


Cited to Exhibit A, p.4 of the contract. Want the dispute summary drafted?
▸ contract_scorecard ▸ cpt_breakdown

Why it matters: when the board asks "where are we with Pelican?" at 4:55 on a Friday, the answer takes one question — not a week of analyst queue. Read-only by design, keyed per user, and — like everything in CRANK — carrying zero patient data.

What CRANK catches

The failure modes it's built to catch.

None of these are the flat denials you'd notice. They're the quiet ones — the kind that surface a year later as a seven-figure surprise. Each scenario below is running live in our demo environment.

The silent rate step-down

A payer starts paying your IOP code $212.50 against a contracted $250. Remittances still say "paid," so nobody flags it. CRANK flags the first week the paid rate stops matching the contract — before it's 1,400 claims deep.

The downcoding pattern

A third of your 60-minute psychotherapy sessions (90837) quietly pay at the 45-minute rate (90834). Each claim looks plausible; the pattern is invisible in monthly totals. CRANK sees it per code, per payer, per week — the pattern has nowhere to hide.

The overpayment time bomb

A payer misconfigures a rate upward and overpays for months. You book it as revenue and spend it — then one recoupment letter claws back the total. CRANK flags overpayments as take-back risk the week they start: reserved, not booked.

The denial cluster

A new location opens without the auth workflow. Within weeks it's generating CO-197 denials at half its volume — and the roll-up hides which site is bleeding. CRANK breaks denials out by reason and location, so the fix is retraining one team, not writing off a quarter.

The timely-filing trap

An amendment cuts your filing window from 180 days to 90. The clause slips by. Clean claims start dying as "untimely" — and untimely denials don't appeal. CRANK reads the amendment and alerts you the day it lands.

Knowledge that walks out the door

Your best negotiator leaves, and two years of payer history, side agreements, and hard-won concessions leave with them. CRANK keeps every rate, note, and dated conversation mapped to the contract — for good.

Built right

Zero patient data. No BAA. Yours to take.

CRANK never touches PHI or PII — by design. The data feed carries only contracts, codes, amounts, and dates, which kills an entire category of risk and means no Business Associate Agreement to negotiate. And your data is never held hostage.

Zero PHI / PII No BAA required Public API MCP server Per-user keys Location-scoped logins One-click export If you want to leave, take it
Pricing

Priced to pay for itself.

Public and simple — priced per payer, and every plan is the entire product. A payer is one payer organization in one state (Aetna in five states = five payers — exactly how RCM billing already works). Unlimited contracts, documents, and fee schedules under every payer.

First 10 payerspayers 1–10
$995/payer/mo
Next 20 payerspayers 11–30
$795/payer/mo
Next 70 payerspayers 31–100
$595/payer/mo
Beyond 100payers 101+
$395/payer/mo

Rates step down like tax brackets — each rate applies only to the payers in that bracket, so adding a payer never reprices the ones before it. Pay annually and save 10% · commit multi-year and save another 5%.

What’s included — and what never costs extra.

Every plan includes MCP + API access and 30 staff users (additional users $240/user/year). Clinical leaders are free, always — location-scoped logins that see their own facility’s RCM data, so your site leaders work the numbers with you. EHR and billing-system integrations are never charged. Need a dedicated database? We offer it as a custom-scoped add-on. Book a quick call →

Implementation is custom-scoped and starts at $5,000: hands-on product training, every one of your contracts ingested and human-verified with you during a focused Implementation Day, and your EHR connected — no patient data ever in the feed. You go live, not just licensed.
FAQ

Straight answers.

What is CRANK?

CRANK is payer contract intelligence for healthcare providers. It reads every payer contract you’ve signed, reconciles each one against what you were actually paid — down to the CPT code — and shows you exactly where revenue is leaking.

Does CRANK use patient data or require a BAA?

No. CRANK never ingests PHI or PII. It works only with contracts, codes, dates, and billed and paid amounts, so no Business Associate Agreement is required.

Can I query CRANK from Claude, ChatGPT, or another AI?

Yes. CRANK ships a hosted MCP server at mcp.runcrank.com. Mint a read-only key in the app, connect it to any MCP-capable assistant, and ask questions of your reconciled contract and claims data in plain English.

How is CRANK different from our EHR or billing system?

Your EHR and billing system run day-to-day operations. CRANK owns the missing contract layer — what each payer actually agreed to pay — flags every under- and over-payment, and feeds that intelligence back into your stack.

How much does CRANK cost?

Public pricing is per payer — one payer organization in one state — with unlimited contracts, documents, and fee schedules under every payer. Rates step down like tax brackets: $995 per payer per month for your first 10 payers, $795 for the next 20 (11–30), $595 for the next 70 (31–100), and $395 beyond 100. Every plan includes MCP + API access and 30 staff users ($240 per user per year after that); clinical leaders are always free with location-scoped access. Pay annually for 10% off, or commit multi-year for another 5%. Implementation is custom-scoped and starts at $5,000, including hands-on training, human-verified contract ingestion, and EHR connection — with no patient data ever in the feed.

Which systems does CRANK connect to?

CRANK connects cleanly with modern EHR and billing platforms like Sunwave, Lightning Step, and Kipu, and works with most others through a simple, no-PHI data feed. It also offers a public API, an MCP server, and one-click export.

How long does implementation take?

Most teams go live within about a week: a short kickoff call, then a single on-site Implementation Day where we ingest your contracts together and connect your data feed.

Where do the statistics on this page come from?

Every number links to its source — government investigations, CMS data via KFF, and national provider surveys from Experian Health, Premier, the AMA, and RTI International. We cite because that’s the product: numbers with receipts.

See it on your contracts

Bring us your ugliest contract. We'll read it.

Tell us a little about your operation and we'll set up a working session — we read your contracts side by side and show you the gaps live. No slideware.

Know what you're owed.

A payer is one payer org in one state — Aetna in 3 states = 3 payers. Unlimited contracts, amendments, and fee schedules under each.