If you can't get the fee schedules on line or from the carrier, one thing I did was to create a spreadsheet for each insurance company. I went over the EOBs and documented the regular allowable amounts. For example, I would look at Aetna's payment EOBs and if I saw 99213 and Aetna allowed $45 on each claim, that was what I entered into the spreadsheet. Doing this I was able to see a particular insurance company had 145 different allowable amounts for 99214. I used to use this info when appealing thei UCR when their EOB said they paid 125% of the medicare allowable. It also helped when they said they didnt pay 100% of our charges and wanted to pay 25%. I may have had 3,000 accounts with the charges at 100% as the allowable. But, this is a suggestion only.
As Sun Tzu once said, in order to defeat your enemy, you have to know your enemy.