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Transparency in Coverage

Machine-readable files.

In compliance with the federal Transparency in Coverage rule, CGS Health makes machine-readable files (MRFs) of negotiated in-network rates and out-of-network allowed amounts publicly available. The files are hosted by each plan's network and are updated monthly.

Cigna Payer Solutions →

Cigna network files

For members whose plan accesses the Cigna national network through Cigna Payer Solutions. Opens the Cigna-hosted MRF index.

View Cigna MRFs [CGS to confirm this is the correct Cigna index for your plans]
MultiPlan / PHCS →

MultiPlan network files

For members whose plan accesses the MultiPlan / PHCS network. Opens the MultiPlan-hosted MRF index.

View MultiPlan MRFs [CGS to provide: MultiPlan MRF index URL]
Anthem →

Anthem network files

For members whose plan accesses the Anthem network. Opens the Anthem-hosted MRF index.

View Anthem MRFs [CGS to provide: Anthem MRF index URL]
Northwell →

Northwell network files

For members whose plan accesses the Northwell network. Opens the Northwell-hosted MRF index.

View Northwell MRFs [CGS to provide: Northwell MRF index URL]
Midlands →

Midlands network files

For members whose plan accesses the Midlands network. Opens the Midlands-hosted MRF index.

View Midlands MRFs [CGS to provide: Midlands MRF index URL — confirm if applicable]
About these files

What is an MRF?

Machine-readable files (MRFs) are large, structured data files — formatted for software and researchers, not for everyday reading. Two file types are published:

  • In-network rates — negotiated rates for covered items and services between the plan and in-network providers.
  • Out-of-network allowed amounts — historical allowed amounts and billed charges for covered items and services from out-of-network providers.

The files are published in the federally required JSON format and refreshed monthly. They are made available without a login, fee, or other condition, as required by the Transparency in Coverage rule.

Looking for your own costs? If you're a member trying to understand a specific bill, copay, or deductible, the MRFs aren't the easiest tool — log in to your member portal or call Member Services at (844) 515-7095 and we'll help directly.