Transparency in Coverage
Effective Date: October 20, 2026
Overview
NovaNail is committed to supporting transparency in healthcare pricing and helping individuals make informed decisions about their healthcare coverage and costs.
The federal Transparency in Coverage regulations require most group health plans and health insurance issuers to make certain healthcare pricing information publicly available through machine-readable files (MRFs). These files provide information about negotiated rates for in-network providers and historical allowed amounts and billed charges for out-of-network services.
Machine-Readable Files
Machine-readable files are electronic data files designed to be processed by computers. They provide detailed pricing information that consumers, researchers, and other organizations can use to better understand healthcare costs.
The required disclosures generally include:
- In-Network Rates: Negotiated rates between health plans or insurance issuers and in-network healthcare providers for covered items and services.
- Out-of-Network Allowed Amounts and Billed Charges: Historical allowed amounts and associated billed charges for covered items and services provided by out-of-network providers.
- Prescription Drug Pricing Information: Certain prescription drug pricing information, as applicable under federal requirements.
These files can be very large and may require specialized software or technical tools to interpret.
Accessing Transparency in Coverage Files
To access machine-readable files for your health insurance coverage, please visit the website of your health insurance company or health plan administrator.
Your insurer or plan administrator can provide information about available files and explain how to access the pricing information associated with your coverage.
For additional information about federal Transparency in Coverage requirements, visit the Centers for Medicare & Medicaid Services (CMS):
CMS — Health Plan Price Transparency
Understanding Your Healthcare Costs
Machine-readable files contain detailed pricing information, but they do not necessarily indicate the exact amount an individual will pay for a particular service.
Your actual out-of-pocket costs may depend on factors such as your insurance plan, deductible, copayment, coinsurance, network status, and applicable coverage limitations.
For an estimate of your personal healthcare costs, contact your health insurance company or use its designated price comparison tool, where available.
Questions
If you have questions about your health insurance coverage or the location of your plan’s machine-readable files, please contact your insurance company or plan administrator directly.
For general questions about NovaNail’s website, please contact:
NovaNail
Website: https://cvillefootankle.com/
Phone: 434-979-0456
Mailing Address: 600 Peter Jefferson Parkway, Suite 360, Charlottesville, VA 22911