// What Is a Leverage Memo?
Before you start your free memo: here's exactly what you're getting and why it works.
A Leverage Memo is a 2-page negotiation document you submit directly to your payer's provider relations team. It doesn't ask for a meeting. It doesn't leave numbers vague. It presents your specific contracted rates, compares them against your payer's own published federal data, and makes a specific dollar ask for each CPT code, fully sourced, formatted, ready to send.
Built from your payer's own data
Every rate in the memo cites the specific line in your payer's federally-mandated Transparency-in-Coverage MRF filing — the same data hospitals use in negotiations. You're not making a claim. You're quoting their own document back to them.
Specific asks, not general complaints
The memo shows: your current rate, the local peer 75th percentile, and the defensible target — with the math. A specific dollar ask is far harder for a payer to dismiss than "we feel underpaid." It requires a response.
Generates in under 60 seconds
Our system queries your payer's TiC database, benchmarks your CPTs against peer percentiles, and generates the full memo, including the formal renegotiation letter, in real time. Ready to download, print, or email.
"Most independent practices walk into payer negotiations without data. This memo puts the payer's own numbers back in front of them. That asymmetry — the fact that you now have data they assumed you didn't — is where the leverage lives."
— ReimburseOS Methodology, 2026
What's inside the memo (every section)
1. Rate Gap Analysis. Your current contracted rate vs. local peer 25th / median / 75th percentile, per CPT code. Includes sample size (n=) so the payer can't claim the data is cherry-picked.
2. Federal MRF Citation. The exact TiC filing reference: plan name, plan ID, filing date, source URL, and the rate row verbatim. This is the part payers cannot argue with — it's their own submission to the federal government.
3. Medicare PFS Reference. The 2026 CMS Physician Fee Schedule rate for each code. Commercial contracts are negotiated as a multiple of Medicare — showing where you sit relative to that floor strengthens the ask.
4. The Target Rate Ask. A specific, defensible target rate per code, calculated using our methodology: min(local p75, 1.6x Medicare PFS), floored at state median. The math is shown in the memo so the payer understands the basis.
5. Formal Letter. A 1-page professional letter ready to sign and submit. Includes the specific dollar ask, the estimated annual difference, and a clear call to action for the provider relations team.
2. Federal MRF Citation. The exact TiC filing reference: plan name, plan ID, filing date, source URL, and the rate row verbatim. This is the part payers cannot argue with — it's their own submission to the federal government.
3. Medicare PFS Reference. The 2026 CMS Physician Fee Schedule rate for each code. Commercial contracts are negotiated as a multiple of Medicare — showing where you sit relative to that floor strengthens the ask.
4. The Target Rate Ask. A specific, defensible target rate per code, calculated using our methodology: min(local p75, 1.6x Medicare PFS), floored at state median. The math is shown in the memo so the payer understands the basis.
5. Formal Letter. A 1-page professional letter ready to sign and submit. Includes the specific dollar ask, the estimated annual difference, and a clear call to action for the provider relations team.
About the Founder's Promise: The Founder's Promise applies to the paid Practice Audit ( founding / list) and Pro subscription, not to the standalone Leverage Memo. The memo is the negotiation tool you use to act on the opportunity a Practice Audit documents. If your completed Practice Audit did not surface the documented opportunity floor for your specialty and practice size, contact us for a full refund.