Contract management, underpayment detection, and recovery on one platform. Model every payer agreement, catch every line-level variance, and work every dollar back, with the evidence attached.
Contract portfolio
Variance monitor
Underpayment trend
Weekly variance volume across all modeled payors.
The blind spot
Most organizations sit on hundreds of active payor agreements they can't reconcile against reality. Rates drift. Terms expire. Underpayments post silently. No one can point to a single number and say this is what we're owed.
How Contracto closes itRemit reconciliation · Q3
BlueShield PPO
Built for providers
Health systems
Automate variance detection, appeal generation, and rate benchmarking so your revenue team stops chasing spreadsheets and starts recovering dollars.
Physician groups
Line-level remit reconciliation surfaces underpayments that manual reviews miss, with the evidence and appeal language ready to send.
Revenue cycle leaders
Give finance, rev cycle, and contracting a shared, modeled source of truth for every payer agreement, amendment, and fee schedule.
The platform
Contract terms, variance detection, recovery workflows, and renewal modeling all read from the same source, so a rate change in one place updates expected pay, appeals, and benchmarks everywhere.
Digitize every payer agreement into executable logic. Track amendments, fee schedules, and expirations in a single auditable source of truth.
A variance engine reads every 835 and flags line-level discrepancies against modeled contract terms, with root cause and dollar impact attached.
Auto-generated appeal packets, dispute tracking, and payer follow-up workflows route every flagged claim to resolution.
Model rate changes across service lines and negotiate renewals with real contract performance data, not spreadsheets.
Core capabilities
Contract Management
Contracto ingests PDFs, fee schedules, and amendments and turns them into executable contract logic. Terms, carve-outs, effective dates, and rate tables live in one auditable ledger the whole revenue cycle can query.
Contract
Aetna Commercial · v4.2
Underpayment Detection & Recovery
The variance engine reconciles every 835 against the modeled contract at the line level, isolates root cause, and pushes the claim into the right recovery workflow, with an appeal packet, evidence, and payer-specific language already assembled.
Variance · Claim 8842-A
DRG 470 · BlueShield PPO
Expected
$18,420
Paid
$16,975
Variance
$1,445
Root cause · Implant carve-out §5.4 not applied
Appeal · Packet ready · cites §5.4, §3.1
Status · Queued for submission
The ledger
Contracto rolls every claim, every payer, and every term into a shared ledger, so your team knows which variances need action and which are already resolved.
Revenue integrity
Surface the gap between expected and actual reimbursement before it ages out.
Faster recovery
Route every flagged variance straight to the right appeal or negotiation workflow.
Shared truth
Give finance, rev cycle, and contracting one modeled source for every payer agreement.
Defensible pricing
Negotiate renewals with actual contract performance, not anecdote.
FAQ
PDF, Excel, or direct API, our modeling team parses your payer agreements into executable terms in days, not months.
Book a 30-minute demo. We'll model a sample of your remits and hand you a real recovery estimate, whether you buy or not.