2026 TRANSPARENCY IN COVERAGE DATA

Are You Being Underpaid by Insurance?

See exactly what insurance companies pay 35,000+ Florida therapists. Exposed from federally-mandated data they were forced to publish.

164,684
Rate Records Analyzed
35,759
Providers Covered
7
Major Payers
Jan 2026
Data Access Date

Insurance companies know what
they pay everyone. You don't.

Every major insurer knows exactly what they pay every therapist in Florida. That information asymmetry costs providers tens of thousands of dollars every year.

In 2022, the federal Transparency in Coverage rule forced insurers to publish their negotiated rates. But the files are multi-gigabyte machine-readable datasets — technically public, practically impossible for any individual provider to use.

We extracted, cleaned, and analyzed every record — so you don't have to.

$77,000
Annual earnings gap between the 25th and 75th percentile with one major Florida insurer
Same CPT code. Same session length. Same state. Providers at the 75th percentile earn $77K more per year than those at the 25th — and most have no idea where they fall.
What's Included

Everything you need to negotiate with data

Professional benchmark reports, provider comparisons, and ready-to-send negotiation templates.

📊

Payer Benchmark Reports

Full rate distribution with 10th through 90th percentile breakdowns, histogram charts, and earnings projections at each market position.

👥

Provider Sample Lists

30 real provider names, credentials, cities, and their actual negotiated rates. See what your peers are getting paid.

💬

Negotiation Email Templates

3-stage communication framework with ready-to-customize emails for requesting rate reviews and escalating when needed.

📈

Cross-Payer Comparison

Side-by-side view of all payers so you can see who's paying fairly and who's lowballing Florida therapists.

💰

Earnings Projections

See what providers earn weekly and annually at each percentile. Understand exactly what a rate increase means for your bottom line.

💾

Raw Data (CSV)

The full cleaned dataset with provider-level detail. Filter by city, credential type, or rate range. Your data, your way.

Report Preview

See what's inside

Each payer report includes rate distributions, earnings projections, and complete methodology.

Logo

Florida — [Payer Name]

CPT 90837  |  53-Minute Psychotherapy  |  2026 Data

Lowest
$—
25th
$—
Median
$—
75th
$—
Highest
$—

Choose your report

One rate negotiation pays for this report 100x over.

Single Payer

One insurer of your choice

$129 one-time
  • Benchmark report (PDF)
  • Rate distribution chart
  • Earnings projections table
  • 30-provider sample list
  • Rate negotiation email templates
  • Raw data file (CSV)
  • Full legal disclosures
Get Single Payer
The Math

One successful negotiation pays for itself

Even a modest rate increase dwarfs the cost of the report.

If this data helps you negotiate just $10 more per session:
Rate increase per session +$10.00
Sessions per week 25
Additional weekly earnings +$250
Working weeks per year 48
Additional annual earnings +$12,000/yr

Not surveys. Not estimates. Actual rates.

Extracted directly from insurer Machine-Readable Files published under federal law.

📜

Federal Data Mandate

Sourced from files insurers are legally required to publish under 85 FR 72158.

📅

January 2026 Access

Current data, not years-old benchmarks from outdated industry surveys.

🔧

Cleaned & Deduplicated

One rate per provider (highest observed). Statistical outliers filtered with full methodology disclosed.

Provider-Level Detail

Real names, NPIs, credentials, and cities — not anonymous aggregates.

Who It's For

Built for mental health providers

Whether you're negotiating with one payer or evaluating your entire panel.

🎯

Therapists Negotiating Rates

Walk into your next rate conversation with real data instead of guesswork.

🏢

Practice Owners

Benchmark every contract across multiple payers and identify underpayment.

💰

Billing Consultants

Advise your clients with concrete numbers, not industry averages.

🚀

New Providers

Know which panels are worth joining before you sign a contract.

Common questions

What CPT code does this cover?
CPT 90837 — 53-minute psychotherapy. This is the most commonly billed outpatient therapy code.
Which payers are included?
Aetna, Anthem BCBS, Cigna, Florida Blue, Harvard Pilgrim, Tufts, and UnitedHealthcare. The single payer option lets you choose one; the bundle includes four.
Is this legal to use?
Yes. All data is extracted from publicly mandated filings that insurers are required by federal law to publish. Full legal disclosures and methodology are included with every report.
How current is the data?
Files were accessed January 2026. Rates reflect what was published at that time and represent the most current publicly available negotiated rate data.
What format are the files in?
Professional PDF reports for the benchmarks and provider lists, plus CSV data files you can open in Excel or Google Sheets for your own analysis.
Can I use this in a rate negotiation?
Absolutely — that's what it's built for. The email templates are specifically designed for therapists requesting rate reviews from insurance companies.

Stop guessing. Start negotiating.

One rate negotiation is all it takes to pay for this report 100x over.

Get the Report →