What insurance companies actually pay therapists.
These are the negotiated rates health plans disclosed to CMS under the federal Transparency in Coverage mandate — parsed, credential-separated, and benchmarked per payer.
Benchmark cells
224
Payers covered
4
Unique providers
20,259
States live
47
State-specific benchmarks
Alabama
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Alaska
1 credential tier · LCSW, LPC/LMHC, LMFT, DSW
Arizona
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Arkansas
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
California
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Colorado
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Connecticut
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Delaware
1 credential tier · LCSW, LPC/LMHC, LMFT, DSW
District of Columbia
1 credential tier · LCSW, LPC/LMHC, LMFT, DSW
Florida
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Georgia
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Hawaii
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Idaho
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Illinois
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Indiana
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Iowa
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Kansas
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Kentucky
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Louisiana
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Maine
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Maryland
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Massachusetts
3 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, PsyD, PhD
Michigan
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Minnesota
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Mississippi
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Missouri
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Nebraska
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Nevada
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
New Hampshire
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
New Jersey
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
New York
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
North Carolina
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
North Dakota
2 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, PsyD, PhD
Ohio
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Oklahoma
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Oregon
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Pennsylvania
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Rhode Island
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
South Carolina
2 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, MD, DO
South Dakota
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Tennessee
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Texas
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Utah
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Virginia
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
Washington
4 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, MD, DO, PsyD, PhD
West Virginia
3 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, MD, DO, PsyD, PhD
Wisconsin
3 credential tiers · LCSW, LPC/LMHC, LMFT, DSW, psychiatric-np, PsyD, PhD
Built from federal disclosure data.
Health plans are required by the Transparency in Coverage rule to publicly disclose every negotiated rate in machine-readable files under 45 CFR § 147.212, using the definitions in 45 CFR § 147.210. We parse those files, filter to fee-for-service outpatient therapy CPT codes, resolve provider credentials through the NPI registry, and publish the resulting percentile distribution — with sample size and confidence scoring visible before purchase.
See where your rate falls.
74 public benchmark pages show coverage by payer, state, CPT, and credential, plus source vintage and validation status. No account required.