Carriers & TPAs tab in network view

What this tab is

The Carriers & TPAs tab is the industry-wide league table for every insurance carrier and third-party administrator (TPA) in Verinode's scored research catalog: who pushes back hardest, who approves the most, who answers fastest, who pays fastest, and how each one rates with the operators who work with them. It's a market read, not a network-ownership list. The catalog behind it (currently around 57 scored carriers plus the TPA catalog) is the same industry-wide set every operator's Verinode IQ reads from, not a filtered list of only the carriers your own franchisees happen to work with.

That distinction matters for HQ specifically. This tab carries no operator-bound stack binding: it doesn't key off any one franchisee's carrier relationships, accepted programs, or accounts-receivable ledger. Every row here is built from two ingredients only:

1. Verinode Research's scored catalog of carriers and TPAs (name, parent company, market presence).
2. Anonymized peer-experience benchmarks, contributed by operators across the whole Verinode network (not limited to your franchisees) and aggregated once enough of them have reported on a given party.

This is a different surface from your network's own carrier relationships (the per-counterparty rollup under Accounts, which shows how many of your franchisees serve a given carrier and what your network specifically bills and collects from them). The Carriers & TPAs tab described in this article is the outside-in industry read: how a carrier or TPA behaves across the market, independent of whether or how much your network works with them.

Where to find it

Open Benchmarks from the HQ sidebar, at hq.verinode.ai/benchmarks. The page opens on the Benchmarks tab; a pill tab bar at the top holds all seven tabs:

Benchmarks · Carriers & TPAs · Materials · Industry Data · Ratings · Analyst Reports · Industry News

Tap Carriers & TPAs to switch into this tab. Its header subtitle reads: "How every counterparty approves, pushes back, and pays across the network. Tap any name for your line vs peers." That subtitle is shared verbatim with the individual-operator version of this tab on Verinode IQ; on HQ, read "your line" loosely (there is no single operator "line" at the network level, and as covered below, the profile card a click opens is built for an individual operator's own relationship, not a network one).

The standouts row

Directly under the header, a slim horizontal ribbon names the market's most notable party on each of seven lenses (every lens except Trust, which is a research composite rather than a negotiation-facing outcome and doesn't get a standout tile). Each cell in the ribbon shows:

• The lens's superlative label in its accent color (e.g. TOUGHEST PUSHBACK, APPROVES MOST, ANSWERS FASTEST, PAYS FASTEST, SHORTEST CYCLE, TOP RATED, BIGGEST JOB SOURCE).
• A small logo, the party's value on that lens, and its name.

Tap any standout cell to open that party's profile card (see "Opening a party's profile" below). If no party in the catalog has a value on any lens, the whole ribbon is omitted rather than showing empty cells.

The league table

Below the standouts, every carrier and TPA that has at least one benchmark value ranks in a single sortable table. Parties with no value on any lens at all are excluded from the table entirely (they'd otherwise show as a full row of dashes); they still exist in the underlying catalog, they just haven't cleared enough peer data yet to earn a row here.

Filter. A segmented control in the top-right reads All / Carriers / TPAs. It defaults to All. Switching it re-filters the table (and resets the "Show all" expansion below).

Columns. The first column is Carrier / TPA: the party's logo, name, and a small Carrier or TPA tag. The remaining eight columns are the league's metric lenses, each shown as a value plus, for the standouts and table cells, a color: green when the number reads as favorable on that lens, amber when it's a middling read, red when it's the least favorable end of the scale.

| Column | What it measures | Reads favorably (green) when | Reads as a watch point (amber) when | |---|---|---|---| | Gives jobs | Market-presence tier: how much claim work this party tends to route to restoration contractors (a research-assigned tier: Top-10 national, National, Super-regional, Regional, or Specialty/niche), not a peer-reported number | It's a Top-10 national or National writer | It's a Super-regional writer (Regional and Specialty/niche read as the lower end of the scale) | | Pushback | The share of submitted supplement dollars this party doesn't approve, network-wide | It's under roughly 30% | It's in the 30-50% range (50%+ reads as the toughest end) | | Approval | The share of submitted supplement dollars this party does approve | 70% or higher | 50-70% (below 50% reads as the low end) | | Responds in | Median days this party takes to respond to a submitted supplement | 7 days or fewer | 8-14 days (15+ reads as slow) | | Pays in | Median days from billed to paid | 30 days or fewer | 31-45 days (46+ reads as slow) | | Cycle time | Median days from assignment to closeout | 21 days or fewer | 22-45 days (46+ reads as long) | | Peer rating | The network's own satisfaction rating for that party, out of 5 | 4.0 or higher | 3.0-3.9 (below 3.0 reads as the low end) | | Trust | Verinode's Research composite score for that party, 1.0-10.0 | 7.0 or higher | 5.0-6.9 (below 5.0 reads as the low end) |

A dash (, ) in any cell means that party hasn't cleared enough peer data on that specific lens yet; it isn't a zero.

One note on Pushback specifically. When enough operators have reported a true denial rate (denied dollars over submitted dollars) for a party, that's what Pushback shows. Until that specific cohort has formed, Verinode shows the inverse of the party's Approval rate instead (100% minus Approval) as a stand-in, so a party's Pushback and Approval numbers can look like exact mirror images of each other. That's expected while the denial-specific cohort is still filling in; it doesn't mean the two numbers are always computed the same way once real denial data lands.

Sort. Tap any column header to rank the table by that lens, best value on top. Tapping the same header again doesn't reverse it, each lens has one fixed direction (lower is better for Pushback, Responds in, Pays in, and Cycle time; higher is better for the rest). The active sort column is shown in bold with a small triangle marker. Parties with no value on the active lens sink to the bottom of the list. The table opens sorted by Pushback by default, so the toughest counterparties surface first.

Show all. The table shows the top 12 rows for the active sort and filter. If more parties are ranked, a Show all [N] link appears below the table to expand the full list. Changing the sort column or the All/Carriers/TPAs filter collapses the list back to the top 12.

Footer note. Beneath the table, a fixed line of small print reads: "How each party pushes back, responds, pays, and scores, from the network cohort: pushback is the share of submitted dollars not approved; responds-in and cycle time are median days. Tap a column to rank; tap any party for your own line against peers." That line is shared with the operator-facing version of this tab; on HQ there is no single "your own line," see below for what actually happens when you tap a party.

Opening a party's profile

Tapping a standout cell or any table row opens a swipeable profile card for that party (arrows, drag, or swipe move to the next or previous party in the current sort order). The card's title bar shows the party's name and logo with an eyebrow reading Carrier · Profile or TPA · Profile.

On Verinode IQ, that card is a rich, personalized read: an operator's own AR and concentration with that party, their margin and supplement-approval performance, how they compare to the network median, what that party specifically cuts on line items, program eligibility, and recent activity.

On HQ, that same card currently shows "You need to be signed in to see this profile." The profile is built to read one operator's own relationship with a party, and an HQ network account doesn't carry an individual operator session, so there's no "your own line" for it to show. The league table itself, and every number in it, is the full and correct network-wide read; the click-through profile behind it is the one piece of this tab still built for the operator side of the product rather than the network side.

The panel HQ doesn't see

On Verinode IQ, a Program Rates panel sits directly under the league table: an individual operator's own accepted TPA rate terms, matched against the anonymized peer cohort mean for that rate type. It's entirely operator-bound by design, an operator's own signed rate agreements aren't network data, so this panel has nothing to render for a network account and doesn't appear on HQ at all. If you're used to seeing this panel on your own IQ as an operator, don't expect it here; it isn't hidden or gated, it simply has no relationship data to key off at the network level.

Empty states

If the catalog has no carriers or TPAs at all yet, the whole tab reads:

"The carrier and TPA league fills in as the scored catalog and peer cohorts grow."

If parties exist in the catalog but none has a value on any lens yet, the standouts ribbon and table are replaced with:

"Carrier and TPA benchmarks appear here as the cohort grows. Approval, pushback, payment speed, and ratings fill in once enough peers report on each party."

Neither empty state is specific to your network; because this tab reads the shared industry catalog, it's effectively the same for every HQ account and every individual operator until Verinode's research and peer coverage grows.

How to use it

1. 1Open Carriers & TPAs ahead of a network-wide renewal conversation or a carrier escalation, sort by Pushback (the default) to see who across the industry cuts hardest, then by Pays in to see who's slowest to release cash.
2. 2Use the Gives jobs column to gauge how much a carrier realistically routes to restoration work before pushing your network to chase a relationship with them.
3. 3Scan the standouts row first for a fast read; it names the single most notable party on each lens without you having to sort the full table.
4. 4Switch the All / Carriers / TPAs filter when the conversation is specifically about TPA program behavior versus direct carrier behavior.
5. 5Remember the profile card behind a tap is the operator-side read and will show a sign-in prompt on HQ; treat the league table's numbers, not the drill-in, as the network-usable data point.

Related articles

• Network benchmarks: how the section works, the full seven-tab Benchmarks hub this tab lives inside.
• The Benchmarks tab: your network vs the rest of the industry, the network-vs-industry distribution read that opens the hub.
• What HQ sees: the network privacy boundary, the aggregates-only rule that governs everything shown across Benchmarks, including this tab.
• HQ overview, orientation to the HQ sidebar and what each section covers.

Data sources