UHC pays Texas therapists a median of $110/session

Derived from UHC's public Optum Health Behavioral Services network file — the same data insurers are required to publish under the Transparency in Coverage rule. Not estimates. Actual contracted rates, computed from 6,569 in-network providers.

Credential level

Data vintage: UHC OHBS-5 MRF, retrieved March 2026. Report ID will be stamped in PDF with SHA-256 payload hash.

Rate Distribution Preview High Confidence

Median Contracted Rate — CPT 90837

$110

−14% vs Medicare ($128.25)

P10P25P50 (median)P75P90

IQR band (P25–P75)

Median

Medicare

$103

P25

$110

P50 Median

$120

P75

$147

P90

P25, P75, and P90 unlocked in the full report. $79 →

Providers in cohort 6,569

Rate types included Negotiated · Fee Schedule

What's in the report

A frozen PDF with reproducible methodology — not a dashboard you log into, not a "score." A citable document you can use in a negotiation conversation.

Full percentile distribution

P10 through P90 for your credential level — where the mass of rates actually sits, not just a midpoint. Includes the IQR and a concentration note if rates cluster tightly.

Medicare reference anchor

Every rate is indexed against the 2025 Medicare allowable for CPT 90837 in Texas ($128.25). So you can say "$14 below Medicare" rather than "$110, which is... fine?"

Credential subgroup breakdown

For master's-level reports: median by sub-credential (LCSW vs LMFT vs LPC). Shows whether your license type sits above or below the pooled line.

QA provenance and methodology

Data source (UHC OHBS-5 MRF), retrieval date, provider count, T3–T6 pipeline decisions, confidence tier, and a SHA-256 payload hash. Everything needed to defend the number.

Benchmark corridor graphic

A visual IQR band showing where 50% of contracted rates fall. Includes Medicare reference line and your credential median clearly marked.

Negotiation usage guide

4-step protocol: how to read the percentile table, how to frame a counter-offer, what to say when the payer says "this is our standard rate."

Not included: your specific contracted rate (we don't have it — no one does except you and UHC), individual NPI lookups, predictions about what UHC will agree to, or legal advice. This is benchmark data. What you do with it is your call.

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Full percentile table (P10–P90)
Benchmark corridor graphic (PDF-ready)
Credential subgroup breakdown
Medicare comparison anchor
QA provenance block + payload hash
Negotiation usage guide
Frozen report — same file, every time
Per-clinician earnings impact table at P25, P50, and P75 rates

If the PDF does not render correctly or contains an obvious data error, email us and we'll refund within 48 hours. We do not offer refunds because the data didn't match your expectation — the methodology is published in full before you buy.

Select credential level

UHC Texas · 90837 · Master's Level · 2026 Q1 TX-90837-UHC-MASTERS-2026Q1

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Source

UHC OHBS-5 Machine-Readable File, published under 45 CFR § 147.210. Downloaded directly from UHC's public TiC index.

Provider matching

NPIs matched to NPPES March 2026 bulk dissemination file. Credential bucket assigned by taxonomy code; one provider, one bucket.

Rate inclusion (T3)

Only "negotiated" and "fee schedule" rate types. "Derived" rates excluded. One rate per NPI after dedup by (NPI, rate, expiration date).

Confidence (T6)

High: n ≥ 100, IQR/median ≤ 0.50. Moderate: n ≥ 30. Both cohorts in this report qualify as High.

Full methodology: ratescope.co/methodology

Questions about this report

Is this my rate?

No. This is a statewide cohort benchmark — the distribution of contracted rates across all Texas therapists in UHC's OHBS network for CPT 90837. Your individual contract rate depends on your specific agreement with UHC. The benchmark tells you where your rate sits relative to others and how it compares to Medicare, not what UHC will offer you.

How current is the data?

The source MRF was retrieved in March 2026. UHC is required to update Transparency in Coverage files at least annually; in practice OHBS-5 is updated more frequently. The report PDF stamps the exact retrieval date and a payload hash so you always know what you have.

Why is the median below Medicare?

For master's-level therapists, the median contracted rate for 90837 in Texas ($110.30) sits about 14% below the 2025 Medicare allowable ($128.25). This is common in commercial markets where payers benchmark commercial rates against Medicare but often negotiate below for behavioral health. The psychologist cohort median ($147.07) runs about 15% above Medicare for the same code.

Can I use this in a negotiation with UHC?

Yes — that's exactly what it's for. The report gives you a citable, reproducible benchmark with a clear methodology. "I'm at $X, the published OHBS network median for my credential in Texas is $110, which is 14% below Medicare" is a factual claim you can make and document. We can't predict how UHC will respond, and this is not legal or financial advice.

What's the difference between master's and psychologist reports?

The two credential buckets are computed separately from the same source file. Master's level (LCSW, LMFT, LPC) n=6,569, median $110.30. Psychologist (licensed doctoral-level) n=1,274, median $147.07. UHC contracts these at different rate levels within the same network file — both are published, both are High confidence.

Is this legal to publish?

Yes. The data originates from UHC's publicly-required Machine-Readable Files under 45 CFR § 147.210 (Transparency in Coverage rule). CMS explicitly authorizes third-party aggregation, analysis, and republication of MRF data. We publish aggregate statistics only — not individual provider rate lookup.

Who buys this?

Group practice owners use it for panel management decisions across multiple clinicians — one purchase covers context for your entire team. Solo therapists use it to evaluate whether their current UHC rate is competitive before renewal. Credentialing specialists use it as a reference when advising providers on new panel decisions.

Why $79?

A $15/session rate difference — say, being at $95 instead of the $110.30 median — is $18,000/year per clinician at 25 sessions per week across 48 weeks. The report costs less than one session billed at the median rate. For a group practice with five clinicians each negotiating $10 more per session, the data pays for itself in the first hour.