Reference Based Pricing (RBP), also commonly known as Cost plus Pricing, offers self-funded health plans a defined benefit structure based on a review of or “referencing” other forms of reimbursement for Provider services. There is no defined “In-Network” list for members to look at and make sure that they must go to one of those Providers or they have an “Out-of-Network” penalty they need to deal with. All Providers are considered “In-Network” in an RBP program. It is designed to provide fair and reasonable reimbursements to Providers based on various pricing data sets, one being Medicare.