Download a free sample
Two real slices of the production data, one for rates and one for coverage rules. Every column, actual rows, downloaded directly. Load either against your own model and know within an afternoon whether it fits. There is nothing to fill in first.
No form, no wait. Take one or take both — they are the two halves of the same question, and they join on the billing code.
What insurers pay
The specialty drug code set, from the four largest national carriers, in the three largest states — Aetna, Cigna, UnitedHealthcare and Centene across California, Texas and Florida. 17,817 rows over 987 billing codes, from the 2026-Q2-06 build. Picked so the rows compare against each other rather than being scattered across the country. Almost all of it is drug codes; the infusion administration codes are in there too, but for UnitedHealthcare only in this slice. This slice is cut from Specialty Drug Rates. The Complete Rate File carries these same columns across every billing code, not just the drug set.
Real rows, not a demo file
Every column the production table carries, filled in: the middle rate, the quartiles around it, how many tax IDs sit behind it, and the federal benchmark next to it.
Nothing cleaned up for the page
About 63% of rows have no spread at all, because that is what a fee schedule looks like. A few hundred have a $1.00 median, because that is what the insurer filed. Both ship as they are.
What it is not
Four insurers of 37 and three states of 51 — about two thousandths of the rate corpus. Market-level only: no tax ID, no NPI, no provider name and no plan-level rate. The manifest lists every limit.
What insurers require before they pay
One drug, read across twelve insurers. Infliximab is the most-covered drug in the build and it has biosimilars, so the step-therapy and preferred-product rules are the interesting kind rather than boilerplate: 466 itemised requirements, 28 of them step-therapy. Cut from Payer Coverage Requirements, corpus dated 14 August 2026.
One question, answered twelve ways
This is a segment, not a truncation: what it takes to get one drug approved, and how far twelve insurers differ on it. A scattering of rows from a hundred drugs would show the same columns and tell you nothing.
Every rule carries the insurer’s own sentence
All 466 rules have a citation_quote taken verbatim from the policy and a source_url pointing at the document. Nothing is reworded and nothing is summarised.
Verified absences, not just gaps
attested_absent lists the requirements we looked for and confirmed are not in the policy. Knowing a step-therapy rule is genuinely absent is worth as much as knowing one exists.
Want the next build too?
Leave an address and we will send the quarterly note when a new vintage ships. That is the only thing it is used for.
One note a quarter, and nothing else. No drip sequence, no calls. The file is already yours either way — leaving an address here does not buy you anything and not leaving one does not cost you anything.