The infrastructure behind every provider contract in your network

The infrastructure behind every provider contract in your network

The infrastructure behind every provider contract in your network

Structure, validate, and execute complex provider agreements at scale

Structure, validate, and execute complex provider agreements at scale

Provider Network & Contracting + Finance & Claims Operations

Provider Network & Contracting

+ Finance & Claims Operations

You have the contracts.
But do you have the intelligence

to manage them?

You have the contracts. But do you have

the intelligence to manage them?

You have the contracts.

But do you have the intelligence

to manage them?

You manage provider contracts that are too complex to track manually and too consequential to get wrong. Your team knows what was agreed to, but there's no reliable system connecting those contract terms to what actually gets paid, provider by provider, claim by claim.


Kubera is built for the payment operations and managed care teams accountable for closing that gap.

You manage provider contracts that are too complex to track manually and too consequential to get wrong. Your team knows what was agreed to, but there's no reliable system connecting those contract terms to what actually gets paid, provider by provider, claim by claim.


Kubera is built for the payment operations and managed care teams accountable for closing that gap.

Rate for DRG 470?
Per claim
$24,500.00
UHC Commercial
Any carveouts?
Yes — cardiac stress tests billed separately at $1,200 / claim, per UHC §3.2.4.
Source: UHC_Amendment.pdf
Stop_Loss_Carveout.pdf
UHC_Amendment.pdf
Fee_Schedule.xlsx
Aetna_Q4_2025.pdf
4

Challenges

Payment disputes are a contract clarity problem, not just a billing one

Most organizations are leaving

significant revenue behind

Payor contracts are dense, unstructured, and disconnected from your data

Enforcement errors compound

across every agreement.

Enforcement errors compound

across every agreement

Billions lost to contract complexity

and payment inaccuracy

Commercial claims processing errors run close to 20%. Without contract-level payment validation, that error rate becomes a structural cost - one that scales with every provider you add to your network.

Commercial claims processing errors run close to 20%. Without contract-level payment validation, that error rate becomes a structural cost - one that scales with every provider you add to your network.

Increasing your network should not multiply complexity.

Increasing your network should not multiply complexity

The more providers you contract with, the more contract complexity you manage. Without a system to structure and connect every agreement, scaling your network means scaling manual processes and their inefficiencies.

Without contract performance history and payment variance data, both sides enter renewals without a clear picture of how agreements are actually performing - and decisions get made on incomplete information.

Increasing your network should not multiply complexity

The more providers you contract with, the more contract complexity you manage. Without a system to structure and connect every agreement, scaling your network means scaling manual processes and their inefficiencies.

Increasing your network should not multiply complexity.

The more providers you contract with, the more contract complexity you manage. Without a system to structure and connect every agreement, scaling your network means scaling manual processes and their inefficiencies.

Disputes start before a single claim

is processed.

Disputes start before a single claim is processed

Disputes start before a single claim

is processed

When contract terms aren't structured and machine-readable, payment disagreements are inevitable. Without pre-payment clarity on what each contract requires, disputes accumulate and provider relationships erode.

When contract terms aren't structured and machine-readable, payment disagreements are inevitable. Without pre-payment clarity on what each contract requires, disputes accumulate and provider relationships erode.

Disputes start before a single claim

is processed.

When contract terms aren't structured and machine-readable, payment disagreements are inevitable. Without pre-payment clarity on what each contract requires, disputes accumulate and provider relationships erode.

In Their Words

The system they'd been looking for

The system they'd been looking for

The system they'd been looking for

We’ve wanted to assess performance of our programs and contracts but don’t have systems to help us. Kubera is the first we’ve seen that can pull in many data sources, serve as a source of truth, and help our teams uncover revenue opportunities.

VP of Managed Care · Southeast Regional Health System

“ We needed a hub for all our contracts and fee schedules — a place where we could see if payors were actually staying within their contracted guidelines. That used to be impossible without a tool like this.

VP of Managed Care · Southeast Regional Health System

“ We needed a hub for all our contracts and fee schedules — a place where we could see if payors were actually staying within their contracted guidelines. That used to be impossible without a tool like this.

VP of Managed Care · Southeast Regional Health System

Payor Use Cases

One system that connects

what was agreed to what was paid

End-to-end contract & payment intelligence

End-to-end contract & payment intelligence

Payment Accuracy

Pre-Payment Contract Validation

Pre-Payment Contract Validation

Every contract term, structured

and computable

Kubera continuously compares every payment received against what your contracts required - classifying each discrepancy by type and surfacing high-value recovery opportunities automatically.

Kubera continuously compares every payment received against what your contracts required - classifying each discrepancy by type and surfacing high-value recovery opportunities automatically.

Payment Validator
1,847 claims · UHC Commercial
RunningComplete
Compare against contract terms
Classify discrepancy by type
Flag high-value recoveries

Contract Modeling

Provider Contract Modeling

Provider Contract Modeling

Model proposed rate changes and carveout structures against real claims data before signing - see the financial impact of every term.

Model proposed rate changes and carveout structures against real claims data before signing - see the financial impact of every term.

UHC Commercial · 2026
Modeled against 18,420 historical claims
Base rate increase+4.2% across all DRGs
$0
Stop loss threshold adjustmentThreshold $75K → $100K
$0
Modifier 25 capNew 50% reduction added
$0
Bundled payment modelKnee surgery case rates
$0
Net projected impact$0

Contract Modeling

Provider Contract Modeling

Model proposed rate changes and carveout structures against real claims data before signing - see the financial impact of every term.

UHC Commercial · 2026
Modeled against 18,420 historical claims
Base rate increase+4.2% across all DRGs
$0
Stop loss threshold adjustmentThreshold $75K → $100K
$0
Modifier 25 capNew 50% reduction added
$0
Bundled payment modelKnee surgery case rates
$0
Net projected impact$0

Contract Modeling

Provider Contract Modeling

Model proposed rate changes and carveout structures against real claims data before signing - see the financial impact of every term.

UHC Commercial · 2026
Modeled against 18,420 historical claims
Base rate increase+4.2% across all DRGs
$0
Stop loss threshold adjustmentThreshold $75K → $100K
$0
Modifier 25 capNew 50% reduction added
$0
Bundled payment modelKnee surgery case rates
$0
Net projected impact$0

Portfolio Intelligence

Contract Portfolio Management

Contract Portfolio Management

Every contract, amendment, fee schedule, and provider manual structured into computable logic - queryable across your entire network.

AI agents classify underpayment drivers, prioritize follow‑up, and assist recovery turning revenue leakage detection from a quarterly exercise into a continuous process

Provider manual
Fee schedule
Amendment
Contract
Contract portfolio
Structured · queryable
Master contracts0
Amendments0
Fee schedules0
Provider manuals0
Documents queryable0

Portfolio Intelligence

Continuous payment monitoring,

not quarterly reconciliation

AI agents classify underpayment drivers, prioritize follow‑up, and assist recovery turning revenue leakage detection from a quarterly exercise into

a continuous process

Provider manual
Fee schedule
Amendment
Contract
Contract portfolio
Structured · queryable
Master contracts0
Amendments0
Fee schedules0
Provider manuals0
Documents queryable0

Portfolio Intelligence

Contract Portfolio Management

Every contract, amendment, fee schedule, and provider manual structured into computable logic - queryable across your entire network.

Provider manual
Fee schedule
Amendment
Contract
Contract portfolio
Structured · queryable
Master contracts0
Amendments0
Fee schedules0
Provider manuals0
Documents queryable0

Dispute Prevention

Provider Dispute Reduction

Provider Dispute Reduction

Connect contract logic to payment expectations upfront - fewer provider surprises, fewer escalations, less administrative overhead on both sides.

Connect contract logic to payment expectations upfront - fewer provider surprises, fewer escalations, less administrative overhead on both sides.

Provider disputeslast 12 months
247 → 32
Disputes / mo
14d → 0d
Avg resolution
94%
Auto-resolved
0%
vs prior year

Dispute Prevention

Provider Dispute Reduction

Connect contract logic to payment expectations upfront - fewer provider surprises, fewer escalations, less administrative overhead on both sides.

Provider disputeslast 12 months
247 → 32
Disputes / mo
14d → 0d
Avg resolution
94%
Auto-resolved
0%
vs prior year

Network Scaling

Provider Relationship Management

Structure every provider agreement into computable logic - so your team scales its network without scaling the manual processes behind it.

Provider disputeslast 12 months
247 → 32
Disputes / mo
14d → 0d
Avg resolution
94%
Auto-resolved
0%
vs prior year

Compliance

Price Transparency Reporting

Price Transparency Reporting

CMS price transparency compliance becomes a single automated output - not a multi-week manual project. Built-in Q4 readiness.

CMS price transparency compliance becomes a single automated output - not a multi-week manual project. Built-in Q4 readiness.

Output
machine_readable_q4_2025.json · 2.3 MB
All checks passed
Kubera Compliance Engine
Engine has assembled the Q4 submission:
  • All providers pricing extracted
  • Standard charges validated
  • Claims utilization data added
  • CMS schema validated
  • Ready · 18 days before Oct 1 deadline

Compliance

Price Transparency Reporting

CMS price transparency compliance becomes a single automated output - not a multi-week manual project. Built-in Q4 readiness.

Output
machine_readable_q4_2025.json · 2.3 MB
All checks passed
Kubera Compliance Engine
Engine has assembled the Q4 submission:
  • All providers pricing extracted
  • Standard charges validated
  • Claims utilization data added
  • CMS schema validated
  • Ready · 18 days before Oct 1 deadline

Dispute Prevention

Provider Dispute Reduction

Connect contract logic to payment expectations upfront - fewer provider surprises, fewer escalations, less administrative overhead on both sides.

Output
machine_readable_q4_2025.json · 2.3 MB
All checks passed
Kubera Compliance Engine
Engine has assembled the Q4 submission:
  • All providers pricing extracted
  • Standard charges validated
  • Claims utilization data added
  • CMS schema validated
  • Ready · 18 days before Oct 1 deadline

Network Scaling

Provider Relationship Management

Provider Relationship Management

Structure every provider agreement into computable logic - so your team scales its network without scaling the manual processes behind it.

AI agents classify underpayment drivers, prioritize follow‑up, and assist recovery turning revenue leakage detection from a quarterly exercise into a continuous process

K
12K → 19K
Providers
8 steady
Team headcount
1.6×
Per FTE

Network Scaling

Continuous payment monitoring,

not quarterly reconciliation

AI agents classify underpayment drivers, prioritize follow‑up, and assist recovery turning revenue leakage detection from a quarterly exercise into a continuous process

K
12K → 19K
Providers
8 steady
Team headcount
1.6×
Per FTE

Compliance

Price Transparency Reporting

CMS price transparency compliance becomes a single automated output - not a multi-week manual project. Built-in Q4 readiness.

K
12K → 19K
Providers
8 steady
Team headcount
1.6×
Per FTE

Payor Impact

Less friction. More accuracy. At network scale.

Full contract visibility.

The numbers that matter to your CFO

Measurable outcomes from contract and payment intelligence

1,000+ contracts

1000+ contracts

1000+ contracts

analyzed and structured into computable logic

in under one day.

analyzed and structured into computable logic in under one day.

aanalyzed and structured into computable

logic in under one day.

40+ hours

40+ hours

40+ hours

of manual contract reconciliation removed

per organization, every week.

Reclaimed per organization every week through a single source of truth.

Reclaimed per organization every week

through a single source of truth.

1M claims

1M claims

1M claims

loaded, modeled, and validated against contract

terms in under one week.

From contract ingestion to live payment monitoring. No IT lift required.

lFrom contract ingestion to live payment

monitoring. No IT lift required.

“ Kubera transformed what was once two months of reporting work into two clicks.

We were wading through spreadsheets, manual data pulls, and reconciliation. The time

savings and speed to answers we’re experiencing now is groundbreaking.

Kubera transformed what was once two months of reporting work into two clicks.

We were wading through spreadsheets, manual data pulls, and reconciliation. The time

savings and speed to answers we’re experiencing now is groundbreaking.

Kubera transformed what was once two months of reporting work into two clicks. We were wading through spreadsheets, manual data pulls, and reconciliation. The time savings and speed to answers we’re experiencing now is groundbreaking.

National Network

National Network

“ Kubera transformed what was once two months of reporting work into two clicks.

We were wading through spreadsheets, manual data pulls, and reconciliation. The time

savings and speed to answers we’re experiencing now is groundbreaking.

National Network

“ Kubera transformed what was once two months of reporting work into two clicks.

We were wading through spreadsheets, manual data pulls, and reconciliation.

The time savings and speed to answers we’re experiencing now is groundbreaking.

National Network

Security

Scale with security

Kubera is fully secure & compliant

Scale with security

Kubera is fully secure & compliant

Scale with security

Kubera is fully secure & compliant

Enterprise-grade security

Enterprise-grade security

Your data stays yours always. Work with an AI platform that never trains on your PHI data. 

Your data stays yours always. Work with an AI platform that never trains on your PHI data. 

Your data stays yours always. Work with an AI platform that never trains on your PHI data. 

HIPAA

HIPAA

HIPAA

SOC2

SOC2

SOC2

  • ✓ BAA Support

    ✓ BAA Support

  • ✓ Modern & secure practices

    ✓ Modern & secure practices

  • ✓ Audit logs

    ✓ Audit logs

  • ✓ Encrypted end-to-end

    ✓ Encrypted end-to-end

  • ✓ No training on PHI

    ✓ No training on PHI

  • ✓ Modern & secure practices

    ✓ Modern & secure practices

Enterprise-grade security

Your data stays yours always. Work with an AI platform that never trains on your PHI data. 

HIPAA

SOC2

  • ✓ BAA Support

  • ✓ Modern & secure practices

  • ✓ Audit logs

  • ✓ Encrypted end-to-end

  • ✓ No training on PHI

  • ✓ Modern & secure practices

Don't let contract complexity outpace

your ability to manage it.

Stop writing off payments you

haven't investigated yet.

Find out which agreements are creating disputes, where

payment validation is breaking down, and what to fix first.

Find out which agreements are creating disputes, where

payment validation is breaking down, and what to fix first.

See which contracts are underperforming, which payments don't match what was agreed, and where to act first.

Copyright © Kubera Health

Address

33 Irving Place, Floor 5

New York, New York 10003

33 Irving Place

New York, New York 10003

33 Irving Place

New York, New York 10003

Copyright © Kubera Health

Address

33 Irving Place

New York, New York 10003