SAMPLE CAMPAIGN · ALL NUMBERS ARE ILLUSTRATIVE PLACEHOLDERS, NOT REAL NEGOTIATED RATES. PURCHASED CAMPAIGNS ARE BUILT FROM THE CURRENT MONTH'S PAYER FILES.
PracticeRatesNEGOTIATION CAMPAIGN · SAMPLE
Behavioral Health Payer Rate Campaign
What commercial insurers pay licensed therapists · Chicago–Naperville–Elgin metro
Every rate below is a median in-network negotiated rate extracted from the machine-readable files insurers are federally required to publish, filtered to outpatient behavioral-health providers in this metro, with implausible "ghost rates" removed and every figure carrying a confidence grade. Rates are what payers have contracted to allow; individual contracts vary, and this campaign is market information, not legal or contracting advice.
$127
Market median · 90837 (60-min session)
ACROSS 8 PAYERS · ILLUSTRATIVE
$96–158
Spread across payers · 90837
LOWEST VS. HIGHEST MEDIAN · ILLUSTRATIVE
?
Your position
ENTER YOUR RATE BELOW TO SEE YOUR PERCENTILE
Median negotiated rate: CPT 90837, by payer
Who pays most for a 60-minute session
Payer A (PPO)
$158
Payer B
$141
Payer C
$132
Payer D
$127
Payer E
$121
Payer F
$112
Payer G
$104
Payer H (HMO)
$96
BARS = MEDIANS · HOVER FOR 25TH–75TH RANGE + CONFIDENCE GRADE · PAYERS ANONYMIZED IN SAMPLE · PURCHASED CAMPAIGNS NAME EVERY PAYER
Full rate table: medians by CPT code
All codes, all payers
PAYER
90791
90834
90837
90846
90847
90853
90837 IQR
Payer A (PPO)
$182
$118
$158
$132
$139
$52
$141–171
Payer B
$164
$106
$141
$119
$124
$47
$128–152
Payer C
$155
$99
$132
$110
$116
$44
$118–140
Payer D
$149
$95
$127
$106
$111
$42
$112–139
Payer E
$142
$91
$121
$101
$106
$40
$104–133
Payer F
$131
$84
$112
$94
$98
$37
$98–122
Payer G
$122
$78
$104
$87
$91
$35
$92–115
Payer H (HMO)
$113
$72
$96
$81
$85
$32
$88–103
ALL VALUES ILLUSTRATIVE. PURCHASED CAMPAIGNS INCLUDE OBSERVATION COUNTS AND A CONFIDENCE GRADE PER CELL, AND FLAG CELLS WHERE PAYER FILE QUALITY IS TOO LOW TO REPORT.
Your position
You vs. the market
In the purchased campaign, you enter your current contracted rate (from your fee schedule or any EOB; nothing to connect, nothing to upload) and this section shows your percentile for every code, which payers pay above your current rate, and the dollar impact per year at your session volume. Example: "Your $105 for 90837 sits at the 18th percentile. Payers A–C median $132–158. At 20 sessions/week, the gap is roughly $21,000/year."
The negotiation toolkit
What ships with every campaign
Payer-specific letters. A negotiation letter per payer, citing the market medians and your percentile, with your numbers already filled in, ready to send.
The right door. The correct submission channel and contact route per payer, so your ask lands with someone who can act on it.
Follow-up scripts. A follow-up schedule and counteroffer responses for when payers go quiet or come back low.
Methodology & disclosures
Source. Machine-readable in-network rate files published monthly by insurers under the federal Transparency in Coverage rule. This sample uses illustrative placeholder values only; purchased campaigns are generated from the current month's files.
Cleaning. Raw files include "ghost rates": contracted amounts for provider–service combinations that never occur. We filter to behavioral-health taxonomies, remove implausible outliers, and grade every figure by the number of independent observations behind it.
Limits. Medians describe the market, not any individual contract. Rates change; every campaign states its data vintage. Market information, not legal, billing, or contracting advice; no outcome is guaranteed. Full refund if a campaign's data is materially wrong for your market.
Ready to see your real numbers?
Current payer files · your actual rates · delivered within 72 hours