The Transparency in Coverage Rule was issued in 2020 by the U.S. Department of Health & Human Services, U.S. Department of Labor and U.S. Department of the Treasury and enforced beginning 7/1/22, requires health plans (which includes clients who sponsor employee benefit plans) and health insurance issuers to publish two separate MRFs (machine readable files).
- In Network: Negotiated rates for all covered items and services between the plan or issuer and in-network providers.
- Out of Network: Allowed amount paid to, and billed charges from, out-of-network providers for all covered services within a 90-day period
https://www.cigna.com/legal/compliance/machine-readable-files
This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.