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 psychiatric NPs near you, using your insurers' published data.

Prepared for: Carl Rogers, PMHNP-BC
Market: Raleigh, NC
ZIP code: 27601
Report date: July 30, 2026
Peers: 109 psychiatric NPs

Billing CodeOffice visit, established patient, moderate complexityAssumptions

960 sessions per year.

Across all your panels

Carl Rogers, PMHNP-BC · Psych NP · 8 years in practice

Three numbers, blended evenly across your in-network insurers at 99214.

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

Peer percentileAbove 32% of in-network psychiatric NPs in your area.

Percent of Medicare101%Peer median 110% of Medicare; you are 9 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 CodeOffice visit, established patient, moderate complexity

Show

Providers at the same rate1×10×25×40+

Peer rate dot plot for CPT 99214
Payer	Rate	Marker
BCBS North Carolina	$158	median
BCBS North Carolina	$182	p75
BCBS North Carolina	$141	your rate
BCBS North Carolina	$97
BCBS North Carolina	$101
BCBS North Carolina	$109
BCBS North Carolina	$113
BCBS North Carolina	$117
BCBS North Carolina	$120
BCBS North Carolina	$122
BCBS North Carolina	$125
BCBS North Carolina	$127
BCBS North Carolina	$130
BCBS North Carolina	$132
BCBS North Carolina	$132
BCBS North Carolina	$135
BCBS North Carolina	$137
BCBS North Carolina	$137
BCBS North Carolina	$140
BCBS North Carolina	$140
BCBS North Carolina	$142
BCBS North Carolina	$143
BCBS North Carolina	$145
BCBS North Carolina	$146
BCBS North Carolina	$147
BCBS North Carolina	$148
BCBS North Carolina	$149
BCBS North Carolina	$150
BCBS North Carolina	$152
BCBS North Carolina	$152
BCBS North Carolina	$153
BCBS North Carolina	$155
BCBS North Carolina	$157
BCBS North Carolina	$158
BCBS North Carolina	$158
BCBS North Carolina	$160
BCBS North Carolina	$161
BCBS North Carolina	$163
BCBS North Carolina	$165
BCBS North Carolina	$167
BCBS North Carolina	$167
BCBS North Carolina	$170
BCBS North Carolina	$171
BCBS North Carolina	$173
BCBS North Carolina	$173
BCBS North Carolina	$175
BCBS North Carolina	$177
BCBS North Carolina	$179
BCBS North Carolina	$180
BCBS North Carolina	$182
BCBS North Carolina	$183
BCBS North Carolina	$185
BCBS North Carolina	$187
BCBS North Carolina	$189
BCBS North Carolina	$193
BCBS North Carolina	$194
BCBS North Carolina	$197
BCBS North Carolina	$200
BCBS North Carolina	$202
BCBS North Carolina	$205
BCBS North Carolina	$209
BCBS North Carolina	$214
BCBS North Carolina	$219
BCBS North Carolina	$227
BCBS North Carolina	$236
MedCost (no in-network rate found)	$149	median
MedCost (no in-network rate found)	$131	p25
MedCost (no in-network rate found)	$171	p75
MedCost (no in-network rate found)	31	providers in cohort
Aetna	$142	median
Aetna	$163	p75
Aetna	$132	your rate
Aetna	$88
Aetna	$96
Aetna	$103
Aetna	$107
Aetna	$111
Aetna	$114
Aetna	$116
Aetna	$118
Aetna	$121
Aetna	$124
Aetna	$126
Aetna	$126
Aetna	$130
Aetna	$131
Aetna	$132
Aetna	$135
Aetna	$135
Aetna	$137
Aetna	$138
Aetna	$140
Aetna	$141
Aetna	$143
Aetna	$145
Aetna	$146
Aetna	$148
Aetna	$150
Aetna	$151
Aetna	$154
Aetna	$156
Aetna	$160
Aetna	$161
Aetna	$162
Aetna	$165
Aetna	$167
Aetna	$171
Aetna	$175
Aetna	$178
Aetna	$180
Aetna	$186
Aetna	$190
Aetna	$199
Aetna	$210
Cigna	$137	median
Cigna	$158	p75
Cigna	$123	your rate
Cigna	$87
Cigna	$95
Cigna	$103
Cigna	$106
Cigna	$110
Cigna	$114
Cigna	$115
Cigna	$118
Cigna	$121
Cigna	$124
Cigna	$125
Cigna	$126
Cigna	$130
Cigna	$131
Cigna	$132
Cigna	$135
Cigna	$135
Cigna	$137
Cigna	$139
Cigna	$142
Cigna	$144
Cigna	$147
Cigna	$148
Cigna	$150
Cigna	$153
Cigna	$156
Cigna	$157
Cigna	$161
Cigna	$165
Cigna	$170
Cigna	$173
Cigna	$176
Cigna	$182
Cigna	$189
Cigna	$205
UnitedHealthcare	$134	median
UnitedHealthcare	$154	p75
UnitedHealthcare	$127	your rate
UnitedHealthcare	$83
UnitedHealthcare	$88
UnitedHealthcare	$94
UnitedHealthcare	$97
UnitedHealthcare	$101
UnitedHealthcare	$104
UnitedHealthcare	$105
UnitedHealthcare	$107
UnitedHealthcare	$110
UnitedHealthcare	$112
UnitedHealthcare	$114
UnitedHealthcare	$114
UnitedHealthcare	$117
UnitedHealthcare	$118
UnitedHealthcare	$119
UnitedHealthcare	$121
UnitedHealthcare	$121
UnitedHealthcare	$123
UnitedHealthcare	$123
UnitedHealthcare	$125
UnitedHealthcare	$126
UnitedHealthcare	$127
UnitedHealthcare	$128
UnitedHealthcare	$129
UnitedHealthcare	$130
UnitedHealthcare	$131
UnitedHealthcare	$131
UnitedHealthcare	$133
UnitedHealthcare	$135
UnitedHealthcare	$137
UnitedHealthcare	$138
UnitedHealthcare	$138
UnitedHealthcare	$140
UnitedHealthcare	$141
UnitedHealthcare	$143
UnitedHealthcare	$145
UnitedHealthcare	$146
UnitedHealthcare	$147
UnitedHealthcare	$149
UnitedHealthcare	$150
UnitedHealthcare	$152
UnitedHealthcare	$153
UnitedHealthcare	$154
UnitedHealthcare	$157
UnitedHealthcare	$159
UnitedHealthcare	$160
UnitedHealthcare	$162
UnitedHealthcare	$164
UnitedHealthcare	$166
UnitedHealthcare	$169
UnitedHealthcare	$171
UnitedHealthcare	$176
UnitedHealthcare	$179
UnitedHealthcare	$184
UnitedHealthcare	$192
UnitedHealthcare	$199
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 psychiatric NP'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 CodeOffice visit, established patient, moderate complexityAssumptions

960 sessions per year.

BCBS North Carolina

Rate difference over a full year

−$16,320

vs. peer median


99214 Office visit, established patient, moderate complexity	$141	$158	$182		108%	−$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


99214 Office visit, established patient, moderate complexity	$123	$137	$158		95%	−$14
To the median: +$14 (+11%) a session. To the 75th: +$35 (+28%) a session.

Aetna

Rate difference over a full year

−$9,600

vs. peer median


99214 Office visit, established patient, moderate complexity	$132	$142	$163		102%	−$10
To the median: +$10 (+8%) a session. To the 75th: +$31 (+23%) a session.

UnitedHealthcare

Rate difference over a full year

−$6,720

vs. peer median


99214 Office visit, established patient, moderate complexity	$127	$134	$154		98%	−$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 99214).

What the difference could mean over a year.

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

Billing CodeOffice visit, established patient, moderate complexityAssumptions

960 sessions per year.

At your current rates$125,760$131 per 99214

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

At the peer median$137,280$143 per 99214

At the 75th-percentile reference$157,440$164 per 99214

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)	$131	$125,760
At the peer median	$143	$137,280
At the 75th-percentile reference	$164	$157,440
Per year	N/A	+$11,520

How well-supplied your area is.

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

In the Raleigh, NC area

Your read

Your area has about as many psychiatric NPs per resident as the country as a whole.

Comparison

National rate: about 19 practising psychiatric NPs 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

Psychiatric NPs · Raleigh, NC · CPT 99214

Show

Billing CodeOffice visit, established patient, moderate complexity

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 psychiatric NPs on CPT 99214. The average of their medians is $131 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	$141	More members per local provider	62
AetnaIn-network	$132	More members per local provider	42
Ambetter (Centene)	$131	Typical	31
UnitedHealthcareIn-network	$127	More members per local provider	56
CignaIn-network	$123	More members per local provider	35

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 CodeOffice visit, established patient, moderate complexity

BCBS North Carolina

108%peer median: 122%

MedCostno in-network rate found

—peer median: 115%

Aetna

102%peer median: 109%

Cigna

95%peer median: 105%

UnitedHealthcare

98%peer median: 103%

Ambetter (Centene)no in-network rate found

—peer median: 101%

All payers blended

101%peer median: 110%

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	108%	107%	122%	140%
MedCost	—	101%	115%	132%
Aetna	102%	96%	109%	125%
Cigna	95%	93%	105%	122%
UnitedHealthcare	98%	91%	103%	118%
Ambetter (Centene)	—	88%	101%	116%
All payers blended	101%	97%	110%	126%

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 CodeOffice visit, established patient, moderate complexityAssumptions

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	$141	$139	$158	$182	108%	62	−$16,320
Cigna	$123	$121	$137	$158	95%	35	−$13,440
Aetna	$132	$125	$142	$163	102%	42	−$9,600
UnitedHealthcare	$127	$118	$134	$154	98%	56	−$6,720
No in-network rate found
MedCost	N/A	$131	$149	$171	N/A	31	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 CodeOffice visit, established patient, moderate complexity

Peer rate distribution for CPT 99214
#	Rate
Median	$145
P75	$166
Your rate 1	$141
Your rate 2	$132
Your rate 3	$123
Your rate 4	$127
1	$97
2	$101
3	$109
4	$113
5	$117
6	$120
7	$122
8	$125
9	$127
10	$130
11	$132
12	$132
13	$135
14	$137
15	$137
16	$140
17	$140
18	$142
19	$143
20	$145
21	$146
22	$147
23	$148
24	$149
25	$150
26	$152
27	$152
28	$153
29	$155
30	$157
31	$158
32	$158
33	$160
34	$161
35	$163
36	$165
37	$167
38	$167
39	$170
40	$171
41	$173
42	$173
43	$175
44	$177
45	$179
46	$180
47	$182
48	$183
49	$185
50	$187
51	$189
52	$193
53	$194
54	$197
55	$200
56	$202
57	$205
58	$209
59	$214
60	$219
61	$227
62	$236
63	$88
64	$96
65	$103
66	$107
67	$111
68	$114
69	$116
70	$118
71	$121
72	$124
73	$126
74	$126
75	$130
76	$131
77	$132
78	$135
79	$135
80	$137
81	$138
82	$140
83	$141
84	$143
85	$145
86	$146
87	$148
88	$150
89	$151
90	$154
91	$156
92	$160
93	$161
94	$162
95	$165
96	$167
97	$171
98	$175
99	$178
100	$180
101	$186
102	$190
103	$199
104	$210
105	$87
106	$95
107	$103
108	$106
109	$110
110	$114
111	$115
112	$118
113	$121
114	$124
115	$125
116	$126
117	$130
118	$131
119	$132
120	$135
121	$135
122	$137
123	$139
124	$142
125	$144
126	$147
127	$148
128	$150
129	$153
130	$156
131	$157
132	$161
133	$165
134	$170
135	$173
136	$176
137	$182
138	$189
139	$205
140	$83
141	$88
142	$94
143	$97
144	$101
145	$104
146	$105
147	$107
148	$110
149	$112
150	$114
151	$114
152	$117
153	$118
154	$119
155	$121
156	$121
157	$123
158	$123
159	$125
160	$126
161	$127
162	$128
163	$129
164	$130
165	$131
166	$131
167	$133
168	$135
169	$137
170	$138
171	$138
172	$140
173	$141
174	$143
175	$145
176	$146
177	$147
178	$149
179	$150
180	$152
181	$153
182	$154
183	$157
184	$159
185	$160
186	$162
187	$164
188	$166
189	$169
190	$171
191	$176
192	$179
193	$184
194	$192
195	$199

Your rates ($141, $132, $123, $127) are the plum dots; the peer median is $145. 195 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 CodeOffice visit, established patient, moderate complexity

Insurer	Rate	Why we excluded it
BCBS North Carolina	$168	Through a group
Aetna	$178	Estimated rate
Cigna	$186	Other setting
UnitedHealthcare	$211	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