Reference-Based Pricing, Explained.

A smarter way to pay for healthcare, benchmarked against what care actually costs.

What Is Reference-Based Pricing?

Reference-Based Pricing (RBP) is a healthcare funding strategy that benchmarks medical claims against objective pricing methodologies rather than relying solely on traditional PPO network contracts.

Instead of accepting negotiated network rates that can vary significantly between providers, RBP establishes a transparent pricing framework designed to create greater predictability, financial control, and accountability.

Why Many Employers Continue To Overpay

Healthcare costs continue to rise year after year, yet many employers have limited visibility into how healthcare services are priced.

Common Challenges

A More Transparent Healthcare Strategy

Benchmark Claims

Healthcare claims are evaluated against objective pricing methodologies instead of traditional network contracts.

Improve Transparency

Employers gain greater visibility into healthcare pricing and overall plan performance with full clarity.

Control Costs

Organizations can reduce unnecessary healthcare spending and improve financial predictability.

Create Sustainability

Long-term healthcare strategies support both organizational goals and employee needs.

Why Employers Are Exploring Reference-Based Pricing

Greater Healthcare Transparency

Gain clearer visibility into healthcare pricing, claims performance, and spending.

Improved Cost Predictability

Create more consistent budgeting and predictability through transparent pricing and cost structures.

Reduced Healthcare Spending

Identify unnecessary expenses and lower overall healthcare costs effectively for better savings.

Enhanced Plan Customization

Build healthcare plans tailored to organizational goals and workforce needs with full flexibility.

Better Financial Control

Make informed decisions with greater oversight of healthcare expenditures and budget planning.

Long-Term Plan Sustainability

Support future growth through smarter, more sustainable healthcare strategies.