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
275,232
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 (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.
See where your rate falls.
74 public benchmark pages — P50 medians by payer, state, and CPT. No account required.