Related Experiment Video
Updated: Aug 28, 2026

Fine-Tuning Large Language Models Using Entity Hallucination Index for Text Summarization
Published on: January 9, 2026
Ghost Rates Under the No Surprises Act: How Insurer Calculations Artificially Lower the Qualifying Payment Amount
Andrew M Klapper1, Anthony N Dardano1, Michael Risin1
1Plastic and Reconstructive Surgery, Delray Medical Center, Delray Beach, USA.
Abstract:
The United States No Surprises Act removed patients from many payment disputes between nonparticipating clinicians and insurers while giving substantial influence to the qualifying payment amount (QPA) calculated by the insurer. This editorial examines whether a federally authorized payment benchmark calculated by the party responsible for payment, using data unavailable to the opposing party, can satisfy basic requirements of legitimacy, reproducibility, and accountability. On August 11, 2026, the en banc United States Court of Appeals for the Fifth Circuit held that the challenged federal methodology was inconsistent with the statute because it required the inclusion of nonnegotiated "ghost rates." The court concluded that these rates produced artificially low QPAs. Federal independent dispute resolution data published by the Centers for Medicare & Medicaid Services for the third and fourth quarters of 2025 show that providers prevailed in 84% of determinations that were fully contested and did not involve default, and that selected offers exceeded the QPA in approximately 87% of reported comparisons. These results do not establish that every provider offer was reasonable or that ghost rates explain every award. They demonstrate the need for transparent benchmark construction. We recommend disclosure of QPA methodology and rate populations, confidential access by independent auditors to rate-level data, and independent reproduction of disputed QPAs.
Related Concept Videos
The Anchoring-and-Adjustment Heuristic
Testing a Claim about Standard Deviation
The hypothesis testing for the claim of population standard deviation (or variance) requires the data and samples to be random and unbiased. The population distribution also must be normal. There is no specific requirement on the sample size as the estimation is based on the chi-square distribution.
As a first step, the hypothesis (null and alternative) concerning the claim about...
Unusual Results
According to the range rule of thumb, any value above or below two standard deviations, 2σ from the mean, μ is considered unusual.
Maximum unusual value = μ + 2σ
Minimum unusual value...
Hazard Rate
Mathematical Modeling: Problem Solving
Measurement of Blood Pressure
