Healthcare Solutions

Contract Modeling & Rate Analysis

Managed care directors negotiate payer contracts without clear visibility into how contracted rates compare against Medicare benchmarks or peer health system performance across service lines. Fee schedule complexity across dozens of payer contracts and DRG-based arrangements makes it difficult to identify underpayment patterns without time-consuming manual reconciliation. Value-based care contract performance is evaluated retrospectively, when opportunities to influence shared savings calculations have already passed.

Built For

Managed Care Director modeling payer contract performance and renegotiation scenarios across 15 commercial payer contracts for a regional health system

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Lumi Ledger

Managed Care Finance

Benchmarks contracted rates against Medicare and models the revenue impact of renegotiation scenarios.

Rate Benchmarking
Underpayment Detection
Contract Modeling
Fee Schedule Analysis
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Lumi Care

Revenue Cycle Director

Identifies underpayment patterns from payer remittances and flags discrepancies against contracted rates.

Underpayment Identification
Remittance Reconciliation
Payer Dispute Support
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Lumi Watch

Contract Compliance Auditor

Audits payer compliance with contract terms and flags systematic underpayment patterns.

Contract Term Compliance
Systematic Underpayment Detection
Audit Documentation
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How It Works

Compare contracted rates against Medicare benchmarks and peer performance. Model value-based care scenarios and identify underpayments across fee schedules.

Instant Analysis

Drag and drop your CSVs. No complex pipelines required.

Natural Language

Ask questions in plain English, get instant answers.

Lumina Analyst
How do our contracted rates compare to Medicare, and which payer should we renegotiate first?

Aetna is reimbursing orthopedic and cardiology service lines at 118% of Medicare versus a 142% peer benchmark, an underpayment of about $1.9M annually, and remittances show systematic shortfalls against contracted rates on 9 high-volume CPT codes. Recommend prioritizing the Aetna renegotiation; a modeled 5% rate lift recovers roughly $640K with minimal volume risk.

Contracted Rate vs Medicare Benchmark by Payer
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