Save up to 70% on your next high-cost claim.

With the rise of healthcare price transparency, open-access data, and AI tools, it’s easy to believe: “We’ve got smart people. We can probably handle this in-house.” We get it. On paper, transplant claims, gene therapies, and bundled pricing don’t look that complicated. But in practice? It’s like watching a YouTube tutorial and deciding to rebuild your transmission. That’s why at HealthRate, we have one simple message for employers, brokers, and TPAs trying to model catastrophic claim risk on their own: “Don’t try this at home.”

In philosophy, the Lottery Paradox asks: If you know one ticket will win, but each ticket is unlikely to win, is it rational to believe each ticket will lose? It’s a cautionary tale about how we misjudge low-probability, high-impact events. In healthcare, self-funded employers fall into the same trap every day, especially with organ transplants, gene therapies, and CAR-T treatments. The cost of this thinking? Seven-figure claims that blow past stop-loss.

HealthRate, an award-winning SaaS application specializing in comparing network contracted rates for high-cost medical cases such as transplants, CAR-T, and gene therapy, is proud to announce its integration with the Scientific Registry of Transplant Recipients (SRTR) quality data.