What insurance companies actually pay therapists.

The real question

Is your insurance panel worth it?

Therapists accept insurance panel contracts without knowing where their rate falls relative to other providers with the same credential, in the same state, for the same payer. The result is that many are contracted well below the distribution for their payer and credential — and don’t know it.

RateScope benchmarks make that comparison visible. Each report shows the full P10–P90 distribution for a specific payer, state, and credential level — so you can see exactly where your rate sits before your next renewal or panel decision.

Why this is different

Built from federal disclosure data.

Health plans are required by the Transparency in Coverage rule (45 CFR § 147.210) to publish every negotiated rate in machine-readable files. 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.