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 psychiatrists (MD/DO) near you, using your insurers' published data.

Prepared for: Carl Rogers, MD
Market: Raleigh, NC
ZIP code: 27601
Report date: July 30, 2026
Peers: 77 psychiatrists

Billing CodeOffice visit, established patient, moderate complexityAssumptions

960 sessions per year.

Across all your panels

Carl Rogers, MD · Psychiatrist · 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 33% of in-network psychiatrists in your area.

Percent of Medicare119%Peer median 129% of Medicare; you are 10 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	$186	median
BCBS North Carolina	$214	p75
BCBS North Carolina	$166	your rate
BCBS North Carolina	$115
BCBS North Carolina	$125
BCBS North Carolina	$135
BCBS North Carolina	$140
BCBS North Carolina	$145
BCBS North Carolina	$150
BCBS North Carolina	$152
BCBS North Carolina	$155
BCBS North Carolina	$159
BCBS North Carolina	$163
BCBS North Carolina	$165
BCBS North Carolina	$165
BCBS North Carolina	$170
BCBS North Carolina	$172
BCBS North Carolina	$173
BCBS North Carolina	$177
BCBS North Carolina	$177
BCBS North Carolina	$180
BCBS North Carolina	$180
BCBS North Carolina	$184
BCBS North Carolina	$185
BCBS North Carolina	$188
BCBS North Carolina	$189
BCBS North Carolina	$191
BCBS North Carolina	$194
BCBS North Carolina	$197
BCBS North Carolina	$198
BCBS North Carolina	$201
BCBS North Carolina	$205
BCBS North Carolina	$210
BCBS North Carolina	$212
BCBS North Carolina	$213
BCBS North Carolina	$217
BCBS North Carolina	$220
BCBS North Carolina	$224
BCBS North Carolina	$230
BCBS North Carolina	$234
BCBS North Carolina	$237
BCBS North Carolina	$244
BCBS North Carolina	$251
BCBS North Carolina	$262
BCBS North Carolina	$277
MedCost (no in-network rate found)	$175	median
MedCost (no in-network rate found)	$154	p25
MedCost (no in-network rate found)	$201	p75
MedCost (no in-network rate found)	31	providers in cohort
Aetna	$167	median
Aetna	$192	p75
Aetna	$155	your rate
Aetna	$106
Aetna	$116
Aetna	$126
Aetna	$131
Aetna	$136
Aetna	$140
Aetna	$142
Aetna	$146
Aetna	$149
Aetna	$154
Aetna	$156
Aetna	$156
Aetna	$162
Aetna	$164
Aetna	$164
Aetna	$169
Aetna	$170
Aetna	$174
Aetna	$175
Aetna	$180
Aetna	$183
Aetna	$186
Aetna	$189
Aetna	$191
Aetna	$196
Aetna	$201
Aetna	$204
Aetna	$211
Aetna	$219
Aetna	$231
Aetna	$248
Cigna	$162	median
Cigna	$186	p75
Cigna	$146	your rate
Cigna	$103
Cigna	$113
Cigna	$123
Cigna	$127
Cigna	$132
Cigna	$136
Cigna	$138
Cigna	$142
Cigna	$145
Cigna	$150
Cigna	$151
Cigna	$152
Cigna	$157
Cigna	$159
Cigna	$159
Cigna	$164
Cigna	$165
Cigna	$168
Cigna	$170
Cigna	$175
Cigna	$177
Cigna	$181
Cigna	$183
Cigna	$185
Cigna	$190
Cigna	$195
Cigna	$198
Cigna	$204
Cigna	$211
Cigna	$223
Cigna	$239
UnitedHealthcare	$158	median
UnitedHealthcare	$182	p75
UnitedHealthcare	$150	your rate
UnitedHealthcare	$97
UnitedHealthcare	$107
UnitedHealthcare	$116
UnitedHealthcare	$121
UnitedHealthcare	$125
UnitedHealthcare	$129
UnitedHealthcare	$131
UnitedHealthcare	$134
UnitedHealthcare	$137
UnitedHealthcare	$141
UnitedHealthcare	$143
UnitedHealthcare	$143
UnitedHealthcare	$148
UnitedHealthcare	$149
UnitedHealthcare	$150
UnitedHealthcare	$154
UnitedHealthcare	$154
UnitedHealthcare	$157
UnitedHealthcare	$157
UnitedHealthcare	$161
UnitedHealthcare	$163
UnitedHealthcare	$166
UnitedHealthcare	$167
UnitedHealthcare	$169
UnitedHealthcare	$172
UnitedHealthcare	$176
UnitedHealthcare	$177
UnitedHealthcare	$180
UnitedHealthcare	$184
UnitedHealthcare	$189
UnitedHealthcare	$192
UnitedHealthcare	$194
UnitedHealthcare	$199
UnitedHealthcare	$204
UnitedHealthcare	$211
UnitedHealthcare	$222
Ambetter (Centene) (no in-network rate found)	$155	median
Ambetter (Centene) (no in-network rate found)	$136	p25
Ambetter (Centene) (no in-network rate found)	$178	p75
Ambetter (Centene) (no in-network rate found)	31	providers in cohort

Each dot is one psychiatrist'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

−$19,200

vs. peer median


99214 Office visit, established patient, moderate complexity	$166	$186	$214		128%	−$20
To the median: +$20 (+12%) a session. To the 75th: +$48 (+29%) a session.

Cigna

Rate difference over a full year

−$15,360

vs. peer median


99214 Office visit, established patient, moderate complexity	$146	$162	$186		112%	−$16
To the median: +$16 (+11%) a session. To the 75th: +$40 (+27%) a session.

Aetna

Rate difference over a full year

−$11,520

vs. peer median


99214 Office visit, established patient, moderate complexity	$155	$167	$192		119%	−$12
To the median: +$12 (+8%) a session. To the 75th: +$37 (+24%) a session.

UnitedHealthcare

Rate difference over a full year

−$7,680

vs. peer median


99214 Office visit, established patient, moderate complexity	$150	$158	$182		115%	−$8
To the median: +$8 (+5%) a session. To the 75th: +$32 (+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$147,840$154 per 99214

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

At the peer median$161,280$168 per 99214

At the 75th-percentile reference$186,240$194 per 99214

Per week+$280

Per month+$1,120

Per year+$13,440

Five years+$67,200

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)	$154	$147,840
At the peer median	$168	$161,280
At the 75th-percentile reference	$194	$186,240
Per year	N/A	+$13,440

How well-supplied your area is.

How many psychiatrists (MD/DO) practice near you, compared with the rest of the country.

In the Raleigh, NC area

Your read

Your area has somewhat fewer psychiatrists (MD/DO) per resident than the country as a whole.

Comparison

National rate: about 21 practising psychiatrists (MD/DO) 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

Psychiatrists (MD/DO) · 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 psychiatrists (MD/DO) on CPT 99214. The average of their medians is $154 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	$166	More members per local provider	42
AetnaIn-network	$155	More members per local provider	31
Ambetter (Centene)	$155	Typical	31
UnitedHealthcareIn-network	$150	More members per local provider	36
CignaIn-network	$146	More members per local provider	31

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

128%peer median: 143%

MedCostno in-network rate found

—peer median: 135%

Aetna

119%peer median: 128%

Cigna

112%peer median: 125%

UnitedHealthcare

115%peer median: 122%

Ambetter (Centene)no in-network rate found

—peer median: 119%

All payers blended

119%peer median: 129%

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	128%	126%	143%	165%
MedCost	—	118%	135%	155%
Aetna	119%	113%	128%	148%
Cigna	112%	110%	125%	143%
UnitedHealthcare	115%	107%	122%	140%
Ambetter (Centene)	—	105%	119%	137%
All payers blended	119%	114%	129%	149%

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	$166	$164	$186	$214	128%	42	−$19,200
Cigna	$146	$143	$162	$186	112%	31	−$15,360
Aetna	$155	$147	$167	$192	119%	31	−$11,520
UnitedHealthcare	$150	$139	$158	$182	115%	36	−$7,680
No in-network rate found
MedCost	N/A	$154	$175	$201	N/A	31	N/A
Ambetter (Centene)	N/A	$136	$155	$178	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	$170
P75	$194
Your rate 1	$166
Your rate 2	$155
Your rate 3	$146
Your rate 4	$150
1	$115
2	$125
3	$135
4	$140
5	$145
6	$150
7	$152
8	$155
9	$159
10	$163
11	$165
12	$165
13	$170
14	$172
15	$173
16	$177
17	$177
18	$180
19	$180
20	$184
21	$185
22	$188
23	$189
24	$191
25	$194
26	$197
27	$198
28	$201
29	$205
30	$210
31	$212
32	$213
33	$217
34	$220
35	$224
36	$230
37	$234
38	$237
39	$244
40	$251
41	$262
42	$277
43	$106
44	$116
45	$126
46	$131
47	$136
48	$140
49	$142
50	$146
51	$149
52	$154
53	$156
54	$156
55	$162
56	$164
57	$164
58	$169
59	$170
60	$174
61	$175
62	$180
63	$183
64	$186
65	$189
66	$191
67	$196
68	$201
69	$204
70	$211
71	$219
72	$231
73	$248
74	$103
75	$113
76	$123
77	$127
78	$132
79	$136
80	$138
81	$142
82	$145
83	$150
84	$151
85	$152
86	$157
87	$159
88	$159
89	$164
90	$165
91	$168
92	$170
93	$175
94	$177
95	$181
96	$183
97	$185
98	$190
99	$195
100	$198
101	$204
102	$211
103	$223
104	$239
105	$97
106	$107
107	$116
108	$121
109	$125
110	$129
111	$131
112	$134
113	$137
114	$141
115	$143
116	$143
117	$148
118	$149
119	$150
120	$154
121	$154
122	$157
123	$157
124	$161
125	$163
126	$166
127	$167
128	$169
129	$172
130	$176
131	$177
132	$180
133	$184
134	$189
135	$192
136	$194
137	$199
138	$204
139	$211
140	$222

Your rates ($166, $155, $146, $150) are the plum dots; the peer median is $170. 140 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	$198	Through a group
Aetna	$209	Estimated rate
Cigna	$219	Other setting
UnitedHealthcare	$248	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