This analysis uncovers a critical paradox in commercial healthcare financing: the payers offering the highest contracted rates often deliver the lowest realized reimbursement once denials and administrative friction are accounted for. By introducing the Payer Generosity Index (PGI) and adjusted PGI (aPGI), Trek Health reveals how payer performance varies not only across insurers, but across specialties and service lines. These findings equip healthcare organizations with a clearer, data-driven framework for contracting, revenue optimization, and strategic planning in an increasingly complex reimbursement landscape.
