Sample report: real layout, made-up numbers.

Sample report: real insurer names, invented dollar figures.

This sample is for providers already in-network with at least one insurer. Not in-network yet? View the insurer-comparison sample →

Where your rates sit, at a glance.

How your rates compare with LMFTs near you, using your insurers' published data.

Prepared for: Carl Rogers, LMFT
Market: Raleigh, NC
ZIP code: 27601
Report date: July 30, 2026
Peers: 174 LMFTs

Billing CodeIndividual psychotherapy, 60 minAssumptions

960 sessions per year.

Across all your panels

Carl Rogers, LMFT · MFT · 8 years in practice

Three numbers, blended evenly across your in-network insurers at 90837.

Behind the medianYour rates versus the peer medians over a year, at 20 sessions/week × 48 weeks/year.

Peer percentileAbove 32% of in-network LMFTs in your area.

Percent of Medicare88%Peer median 96% of Medicare; you are 8 points below.

Short version: your rates sit below the peer median. The sections below break this down insurer by insurer.

More info

The blend weights each insurer equally; it is not your actual caseload mix.

Some rates filed under your NPI are left out of these comparisons; see Other rates at the end.

Insurers included in this report.

Every insurer in your area, plus any you hold a rate with elsewhere.

Included: 6; Aetna, Ambetter (Centene), BCBS North Carolina, Cigna, MedCost, UnitedHealthcare (includes Oscar Health)

Limited data: None; Every insurer here has enough local peers to publish.

Not included: 1; No data yet for Humana. Details on our insurers page.

Oscar Health uses the UnitedHealthcare (Optum Behavioral Health) network, so its rates appear under UnitedHealthcare (Optum Behavioral Health).

Where your rates sit against your peers.

A dot for each of your peers’ rates, highest median first.

Billing CodeIndividual psychotherapy, 60 min

Show

Providers at the same rate1×10×25×40+

Peer rate dot plot for CPT 90837
Payer	Rate	Marker
BCBS North Carolina	$157	median
BCBS North Carolina	$181	p75
BCBS North Carolina	$140	your rate
BCBS North Carolina	$95
BCBS North Carolina	$96
BCBS North Carolina	$101
BCBS North Carolina	$105
BCBS North Carolina	$109
BCBS North Carolina	$112
BCBS North Carolina	$113
BCBS North Carolina	$116
BCBS North Carolina	$118
BCBS North Carolina	$120
BCBS North Carolina	$122
BCBS North Carolina	$122
BCBS North Carolina	$125
BCBS North Carolina	$126
BCBS North Carolina	$127
BCBS North Carolina	$128
BCBS North Carolina	$129
BCBS North Carolina	$130
BCBS North Carolina	$131
BCBS North Carolina	$133
BCBS North Carolina	$133
BCBS North Carolina	$134
BCBS North Carolina	$135
BCBS North Carolina	$136
BCBS North Carolina	$137
BCBS North Carolina	$138
BCBS North Carolina	$138
BCBS North Carolina	$139
BCBS North Carolina	$140
BCBS North Carolina	$142
BCBS North Carolina	$142
BCBS North Carolina	$142
BCBS North Carolina	$143
BCBS North Carolina	$144
BCBS North Carolina	$145
BCBS North Carolina	$146
BCBS North Carolina	$147
BCBS North Carolina	$147
BCBS North Carolina	$148
BCBS North Carolina	$149
BCBS North Carolina	$150
BCBS North Carolina	$150
BCBS North Carolina	$150
BCBS North Carolina	$152
BCBS North Carolina	$153
BCBS North Carolina	$153
BCBS North Carolina	$154
BCBS North Carolina	$154
BCBS North Carolina	$154
BCBS North Carolina	$155
BCBS North Carolina	$156
BCBS North Carolina	$157
BCBS North Carolina	$158
BCBS North Carolina	$159
BCBS North Carolina	$160
BCBS North Carolina	$160
BCBS North Carolina	$161
BCBS North Carolina	$162
BCBS North Carolina	$163
BCBS North Carolina	$164
BCBS North Carolina	$164
BCBS North Carolina	$166
BCBS North Carolina	$166
BCBS North Carolina	$167
BCBS North Carolina	$168
BCBS North Carolina	$169
BCBS North Carolina	$170
BCBS North Carolina	$171
BCBS North Carolina	$172
BCBS North Carolina	$173
BCBS North Carolina	$174
BCBS North Carolina	$175
BCBS North Carolina	$175
BCBS North Carolina	$177
BCBS North Carolina	$178
BCBS North Carolina	$179
BCBS North Carolina	$180
BCBS North Carolina	$181
BCBS North Carolina	$182
BCBS North Carolina	$184
BCBS North Carolina	$185
BCBS North Carolina	$185
BCBS North Carolina	$187
BCBS North Carolina	$188
BCBS North Carolina	$189
BCBS North Carolina	$191
BCBS North Carolina	$192
BCBS North Carolina	$194
BCBS North Carolina	$196
BCBS North Carolina	$197
BCBS North Carolina	$198
BCBS North Carolina	$200
BCBS North Carolina	$202
BCBS North Carolina	$204
BCBS North Carolina	$207
BCBS North Carolina	$209
BCBS North Carolina	$211
BCBS North Carolina	$214
BCBS North Carolina	$218
BCBS North Carolina	$221
BCBS North Carolina	$227
BCBS North Carolina	$234
BCBS North Carolina	$235
MedCost (no in-network rate found)	$148	median
MedCost (no in-network rate found)	$130	p25
MedCost (no in-network rate found)	$170	p75
MedCost (no in-network rate found)	32	providers in cohort
Aetna	$141	median
Aetna	$162	p75
Aetna	$131	your rate
Aetna	$87
Aetna	$90
Aetna	$96
Aetna	$99
Aetna	$103
Aetna	$106
Aetna	$107
Aetna	$109
Aetna	$112
Aetna	$114
Aetna	$115
Aetna	$116
Aetna	$118
Aetna	$119
Aetna	$120
Aetna	$122
Aetna	$122
Aetna	$124
Aetna	$125
Aetna	$126
Aetna	$127
Aetna	$128
Aetna	$129
Aetna	$129
Aetna	$131
Aetna	$132
Aetna	$132
Aetna	$133
Aetna	$135
Aetna	$136
Aetna	$137
Aetna	$137
Aetna	$138
Aetna	$139
Aetna	$140
Aetna	$142
Aetna	$143
Aetna	$143
Aetna	$145
Aetna	$146
Aetna	$147
Aetna	$148
Aetna	$148
Aetna	$150
Aetna	$152
Aetna	$152
Aetna	$153
Aetna	$154
Aetna	$155
Aetna	$157
Aetna	$158
Aetna	$160
Aetna	$161
Aetna	$162
Aetna	$164
Aetna	$165
Aetna	$166
Aetna	$168
Aetna	$169
Aetna	$171
Aetna	$173
Aetna	$176
Aetna	$177
Aetna	$179
Aetna	$182
Aetna	$185
Aetna	$188
Aetna	$192
Aetna	$197
Aetna	$204
Aetna	$209
Cigna	$136	median
Cigna	$156	p75
Cigna	$122	your rate
Cigna	$85
Cigna	$89
Cigna	$95
Cigna	$99
Cigna	$102
Cigna	$105
Cigna	$106
Cigna	$108
Cigna	$111
Cigna	$113
Cigna	$114
Cigna	$115
Cigna	$118
Cigna	$119
Cigna	$119
Cigna	$121
Cigna	$122
Cigna	$123
Cigna	$124
Cigna	$126
Cigna	$126
Cigna	$128
Cigna	$128
Cigna	$129
Cigna	$130
Cigna	$132
Cigna	$132
Cigna	$133
Cigna	$134
Cigna	$136
Cigna	$137
Cigna	$137
Cigna	$139
Cigna	$140
Cigna	$142
Cigna	$144
Cigna	$145
Cigna	$145
Cigna	$147
Cigna	$148
Cigna	$150
Cigna	$151
Cigna	$152
Cigna	$154
Cigna	$156
Cigna	$156
Cigna	$158
Cigna	$159
Cigna	$161
Cigna	$163
Cigna	$165
Cigna	$168
Cigna	$170
Cigna	$172
Cigna	$176
Cigna	$179
Cigna	$182
Cigna	$187
Cigna	$193
Cigna	$200
UnitedHealthcare	$133	median
UnitedHealthcare	$153	p75
UnitedHealthcare	$126	your rate
UnitedHealthcare	$81
UnitedHealthcare	$82
UnitedHealthcare	$87
UnitedHealthcare	$91
UnitedHealthcare	$94
UnitedHealthcare	$96
UnitedHealthcare	$98
UnitedHealthcare	$100
UnitedHealthcare	$102
UnitedHealthcare	$103
UnitedHealthcare	$105
UnitedHealthcare	$105
UnitedHealthcare	$107
UnitedHealthcare	$108
UnitedHealthcare	$109
UnitedHealthcare	$111
UnitedHealthcare	$111
UnitedHealthcare	$112
UnitedHealthcare	$113
UnitedHealthcare	$114
UnitedHealthcare	$115
UnitedHealthcare	$116
UnitedHealthcare	$116
UnitedHealthcare	$117
UnitedHealthcare	$118
UnitedHealthcare	$119
UnitedHealthcare	$119
UnitedHealthcare	$120
UnitedHealthcare	$121
UnitedHealthcare	$122
UnitedHealthcare	$123
UnitedHealthcare	$123
UnitedHealthcare	$124
UnitedHealthcare	$124
UnitedHealthcare	$125
UnitedHealthcare	$126
UnitedHealthcare	$127
UnitedHealthcare	$127
UnitedHealthcare	$128
UnitedHealthcare	$129
UnitedHealthcare	$130
UnitedHealthcare	$130
UnitedHealthcare	$130
UnitedHealthcare	$131
UnitedHealthcare	$132
UnitedHealthcare	$132
UnitedHealthcare	$133
UnitedHealthcare	$133
UnitedHealthcare	$134
UnitedHealthcare	$135
UnitedHealthcare	$136
UnitedHealthcare	$137
UnitedHealthcare	$138
UnitedHealthcare	$139
UnitedHealthcare	$140
UnitedHealthcare	$140
UnitedHealthcare	$141
UnitedHealthcare	$142
UnitedHealthcare	$142
UnitedHealthcare	$143
UnitedHealthcare	$144
UnitedHealthcare	$146
UnitedHealthcare	$146
UnitedHealthcare	$147
UnitedHealthcare	$148
UnitedHealthcare	$149
UnitedHealthcare	$150
UnitedHealthcare	$151
UnitedHealthcare	$152
UnitedHealthcare	$153
UnitedHealthcare	$154
UnitedHealthcare	$154
UnitedHealthcare	$155
UnitedHealthcare	$157
UnitedHealthcare	$158
UnitedHealthcare	$159
UnitedHealthcare	$161
UnitedHealthcare	$161
UnitedHealthcare	$162
UnitedHealthcare	$165
UnitedHealthcare	$166
UnitedHealthcare	$167
UnitedHealthcare	$169
UnitedHealthcare	$170
UnitedHealthcare	$172
UnitedHealthcare	$174
UnitedHealthcare	$176
UnitedHealthcare	$179
UnitedHealthcare	$183
UnitedHealthcare	$186
UnitedHealthcare	$190
UnitedHealthcare	$196
UnitedHealthcare	$198
Ambetter (Centene) (no in-network rate found)	$131	median
Ambetter (Centene) (no in-network rate found)	$115	p25
Ambetter (Centene) (no in-network rate found)	$151	p75
Ambetter (Centene) (no in-network rate found)	31	providers in cohort

Each dot is one LMFT's published rate with that insurer; the larger plum dot is yours.

More info

The shaded band is the middle half of that insurer's rates, with its median line inside. Bigger grey dots are several providers at one rate.

Where the gap lives, contract by contract.

One card per insurer, furthest below the peer median first.

Billing CodeIndividual psychotherapy, 60 minAssumptions

960 sessions per year.

BCBS North Carolina

Rate difference over a full year

−$16,320

vs. peer median


90837 Individual psychotherapy, 60 min	$140	$157	$181		95%	−$17
To the median: +$17 (+12%) a session. To the 75th: +$41 (+29%) a session.

Cigna

Rate difference over a full year

−$13,440

vs. peer median


90837 Individual psychotherapy, 60 min	$122	$136	$156		82%	−$14
To the median: +$14 (+11%) a session. To the 75th: +$34 (+28%) a session.

Aetna

Rate difference over a full year

−$9,600

vs. peer median


90837 Individual psychotherapy, 60 min	$131	$141	$162		89%	−$10
To the median: +$10 (+8%) a session. To the 75th: +$31 (+24%) a session.

UnitedHealthcare

Rate difference over a full year

−$6,720

vs. peer median


90837 Individual psychotherapy, 60 min	$126	$133	$153		85%	−$7
To the median: +$7 (+6%) a session. To the 75th: +$27 (+21%) a session.

Not shown: Ambetter (Centene), MedCost (no published rate for you at 90837).

What the difference could mean over a year.

Your rates and the peer target, multiplied by a year of sessions.

Billing CodeIndividual psychotherapy, 60 minAssumptions

960 sessions per year.

At your current rates$124,800$130 per 90837

An even blend of your in-network rates for this code.

At the peer median$136,320$142 per 90837

At the 75th-percentile reference$156,480$163 per 90837

Per week+$240

Per month+$960

Per year+$11,520

Five years+$57,600

Annualized comparison: your rate vs. the peer target, assuming 20 sessions per week and 48 weeks per year.
Scenario	Per-session rate	Annual gross
Today (your rate)	$130	$124,800
At the peer median	$142	$136,320
At the 75th-percentile reference	$163	$156,480
Per year	N/A	+$11,520

How well-supplied your area is.

How many LMFTs practice near you, compared with the rest of the country.

In the Raleigh, NC area

Your read

Your area has somewhat more LMFTs per resident than the country as a whole.

Comparison

National rate: about 31 practising LMFTs per 100,000 people.

The insurers around you.

Every insurer publishing local rates for your credential, placed by rate and by how many people it covers near you.

Panel opportunity map

LMFTs · Raleigh, NC · CPT 90837

Show

Billing CodeIndividual psychotherapy, 60 min

Above the area median
Near the median
Below the median
Well below
Plum ring marks your panels
Dotted circle = the peer median for that insurer
Bubble size = estimated covered lives

5 insurers in this metro for LMFTs on CPT 90837. The average of their medians is $130 per session. 3 pay above it, 2 at or below.

Tabular view of the Panel Opportunity Map. Rows are insurers; columns are rate, members per local provider, and the number of local peers behind each insurer's stats. Estimated covered lives for this insurer in your area, per active provider in your specialty practising there: everyone available locally, not only the providers we hold rates for. The last column is different: it counts only the peers we hold rates for, which is what the rate column rests on.
Insurer	Rate	Members per local provider (est.)	Local peers
BCBS North CarolinaIn-network	$140	More members per local provider	103
AetnaIn-network	$131	Typical	71
Ambetter (Centene)	$131	Fewer members per local provider	31
UnitedHealthcareIn-network	$126	More members per local provider	93
CignaIn-network	$122	Typical	60

Not shown: MedCost (no estimate of how many people they cover in your area).

Percent of Medicare.

Each insurer's rates as a share of the Medicare rate, the yardstick many contracts are written in.

Billing CodeIndividual psychotherapy, 60 min

BCBS North Carolina

95%peer median: 106%

MedCostno in-network rate found

—peer median: 100%

Aetna

89%peer median: 95%

Cigna

82%peer median: 92%

UnitedHealthcare

85%peer median: 90%

Ambetter (Centene)no in-network rate found

—peer median: 89%

All payers blended

88%peer median: 96%

When your rate matches the peer median, the dot and diamond overlap.

Per-payer percent-of-Medicare comparison: your rate, peer 25th percentile, peer median, peer 75th percentile.
Payer	Your %	Peer 25th pct	Peer median	Peer 75th pct
BCBS North Carolina	95%	93%	106%	122%
MedCost	—	88%	100%	115%
Aetna	89%	84%	95%	109%
Cigna	82%	81%	92%	105%
UnitedHealthcare	85%	79%	90%	103%
Ambetter (Centene)	—	78%	89%	102%
All payers blended	88%	84%	96%	110%

What happens next.

If you'd like to request a rate review, it typically looks something like this. Timing varies by insurer.

1
Send the request
Email to the insurer's network team requesting a rate review.
2
Follow up
If you haven't heard back within a few weeks, a polite follow-up is reasonable.
3
Review and counter
The insurer's review team responds: they could offer a rate increase, decline to make a change, or hypothetically lower your rate (though this is rare).
4
Negotiation
One or two rounds of back-and-forth.
5
Decision
An amendment to the contracted rate, or keep the status quo.

Every insurer, row by row.

Just the numbers.

Billing CodeIndividual psychotherapy, 60 minAssumptions

960 sessions per year.

Annual diff. assumes all sessions at that one insurer and compares to the median.

In-network rate found
BCBS North Carolina	$140	$138	$157	$181	95%	103	−$16,320
Cigna	$122	$120	$136	$156	82%	60	−$13,440
Aetna	$131	$124	$141	$162	89%	71	−$9,600
UnitedHealthcare	$126	$117	$133	$153	85%	93	−$6,720
No in-network rate found
MedCost	N/A	$130	$148	$170	N/A	32	N/A
Ambetter (Centene)	N/A	$115	$131	$151	N/A	31	N/A

All rates at all the insurers on one curve.

Every local rate for your credential from every insurer, on one smoothed curve.

Billing CodeIndividual psychotherapy, 60 min

Peer rate distribution for CPT 90837
#	Rate
Median	$143
P75	$165
Your rate 1	$140
Your rate 2	$131
Your rate 3	$122
Your rate 4	$126
1	$95
2	$96
3	$101
4	$105
5	$109
6	$112
7	$113
8	$116
9	$118
10	$120
11	$122
12	$122
13	$125
14	$126
15	$127
16	$128
17	$129
18	$130
19	$131
20	$133
21	$133
22	$134
23	$135
24	$136
25	$137
26	$138
27	$138
28	$139
29	$140
30	$142
31	$142
32	$142
33	$143
34	$144
35	$145
36	$146
37	$147
38	$147
39	$148
40	$149
41	$150
42	$150
43	$150
44	$152
45	$153
46	$153
47	$154
48	$154
49	$154
50	$155
51	$156
52	$157
53	$158
54	$159
55	$160
56	$160
57	$161
58	$162
59	$163
60	$164
61	$164
62	$166
63	$166
64	$167
65	$168
66	$169
67	$170
68	$171
69	$172
70	$173
71	$174
72	$175
73	$175
74	$177
75	$178
76	$179
77	$180
78	$181
79	$182
80	$184
81	$185
82	$185
83	$187
84	$188
85	$189
86	$191
87	$192
88	$194
89	$196
90	$197
91	$198
92	$200
93	$202
94	$204
95	$207
96	$209
97	$211
98	$214
99	$218
100	$221
101	$227
102	$234
103	$235
104	$87
105	$90
106	$96
107	$99
108	$103
109	$106
110	$107
111	$109
112	$112
113	$114
114	$115
115	$116
116	$118
117	$119
118	$120
119	$122
120	$122
121	$124
122	$125
123	$126
124	$127
125	$128
126	$129
127	$129
128	$131
129	$132
130	$132
131	$133
132	$135
133	$136
134	$137
135	$137
136	$138
137	$139
138	$140
139	$142
140	$143
141	$143
142	$145
143	$146
144	$147
145	$148
146	$148
147	$150
148	$152
149	$152
150	$153
151	$154
152	$155
153	$157
154	$158
155	$160
156	$161
157	$162
158	$164
159	$165
160	$166
161	$168
162	$169
163	$171
164	$173
165	$176
166	$177
167	$179
168	$182
169	$185
170	$188
171	$192
172	$197
173	$204
174	$209
175	$85
176	$89
177	$95
178	$99
179	$102
180	$105
181	$106
182	$108
183	$111
184	$113
185	$114
186	$115
187	$118
188	$119
189	$119
190	$121
191	$122
192	$123
193	$124
194	$126
195	$126
196	$128
197	$128
198	$129
199	$130
200	$132
201	$132
202	$133
203	$134
204	$136
205	$137
206	$137
207	$139
208	$140
209	$142
210	$144
211	$145
212	$145
213	$147
214	$148
215	$150
216	$151
217	$152
218	$154
219	$156
220	$156
221	$158
222	$159
223	$161
224	$163
225	$165
226	$168
227	$170
228	$172
229	$176
230	$179
231	$182
232	$187
233	$193
234	$200
235	$81
236	$82
237	$87
238	$91
239	$94
240	$96
241	$98
242	$100
243	$102
244	$103
245	$105
246	$105
247	$107
248	$108
249	$109
250	$111
251	$111
252	$112
253	$113
254	$114
255	$115
256	$116
257	$116
258	$117
259	$118
260	$119
261	$119
262	$120
263	$121
264	$122
265	$123
266	$123
267	$124
268	$124
269	$125
270	$126
271	$127
272	$127
273	$128
274	$129
275	$130
276	$130
277	$130
278	$131
279	$132
280	$132
281	$133
282	$133
283	$134
284	$135
285	$136
286	$137
287	$138
288	$139
289	$140
290	$140
291	$141
292	$142
293	$142
294	$143
295	$144
296	$146
297	$146
298	$147
299	$148
300	$149
301	$150
302	$151
303	$152
304	$153
305	$154
306	$154
307	$155
308	$157
309	$158
310	$159
311	$161
312	$161
313	$162
314	$165
315	$166
316	$167
317	$169
318	$170
319	$172
320	$174
321	$176
322	$179
323	$183
324	$186
325	$190
326	$196
327	$198

Your rates ($140, $131, $122, $126) are the plum dots; the peer median is $143. 327 rates.

More info

Each small dot under the curve is one filed rate; the curve smooths them.

Other rates

Other rates we found, but didn’t use.

Rates filed under your NPI that we left out of the comparisons above.

More info

They are usually tied to an old employer or group, or are catch-all rates an insurer publishes but does not expect anyone to bill. As far as we can tell they are not rates you are paid or could negotiate. Listed here for completeness.

Billing CodeIndividual psychotherapy, 60 min

Insurer	Rate	Why we excluded it
BCBS North Carolina	$167	Through a group
Aetna	$177	Estimated rate
Cigna	$185	Other setting
UnitedHealthcare	$210	Unusually high

Questions about your rates.

: Insurers update their files on their own schedule, and many are slow to remove providers who have left. We process new files as insurers publish them, so the change reaches our data once the insurer’s own files reflect it.
: An insurer’s files can list you through arrangements you might not think of as your own contract: a group or practice you bill through, a former employer, another insurer’s network that they rent, or a broad listing of providers they don’t contract with directly. We remove networks we know are rented, but we can’t catch every case.
: Insurers don’t always update their published files when a rate changes, and when they do, it’s on their own schedule. We pick up new files as insurers publish them, so a raise shows up once it appears in the insurer’s own filing.
: Please let us know, and we’ll check it against the insurer’s filing. Insurers sometimes publish several rates for the same code (for a different setting or credential level, an estimate, or a group you’re listed under), and some files contain errors. We pick the one that looks most like your own rate, and we don’t always get it right.
: The insurer may not have published it yet, or its files may be missing details we need to match it to you. Some rates are listed only under a practice’s billing ID rather than your own NPI, and when you also have your own practice, we set aside rates that come through a large group or platform. If you think we’ve missed you, please let us know.

Learn more about how we generate these numbers on our methodology page.

This is a sample. Yours uses real published rates for you and your local peers.

Get the full report · $99