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Which payer’s rates
cluster higher?

A preview of the reported rate median for each payer in New York — by credential level. The full percentile distribution (P10–P90), earnings gap math, and Medicare comparison are in each payer’s full report.

Rate medians — Licensed master’s-level therapists

PayerReported MedianProviders in sampleConfidenceFull report
UnitedHealthcare$121Full spread in report9,451HighView full report →
Cigna$104Full spread in report12,117HighView full report →
AetnaHighest median$137Full spread in report139,589HighView full report →

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Median (P50) preview only. Full P10–P90 distribution, confidence scoring, and Medicare comparison available in each payer’s report. Source: March 2026 federal TiC MRFs.

Confidence reflects sample size and rate clustering. High = ≥1,000 providers, tight IQR. See methodology for full scoring rubric.

Rate medians — Licensed psychologists

PayerReported MedianProviders in sampleConfidenceFull report
UnitedHealthcareHighest median$162Full spread in report2,370HighView full report →
Cigna$121Full spread in report2,245HighView full report →
Aetna$137Full spread in report21,741HighView full report →

← Scroll to see all payers

Median (P50) preview only. Full report includes P10–P90 distribution, Medicare fee schedule comparison, and confidence scoring per credential cohort.

Confidence reflects sample size and rate clustering. High = ≥1,000 providers, tight IQR. See methodology for full scoring rubric.

The median tells you where the market clusters. The spread tells you how much variation exists.

The median here is a teaser. The full P10–P90 distribution in each payer’s report shows whether rates are tightly clustered (less negotiating room) or widely spread (tiered networks, more variation by NPI grouping). That spread — not just the median — is what matters before a panel decision or contract review.

Full P10–P90 percentile distribution

Sample size for your credential cohort

Confidence scoring — visible before purchase

Medicare fee schedule comparison

Methodology documentation included

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