Look up insurance reimbursement rates for therapists, with the source for every number
Medicare, Medicaid FFS, and UnitedHealthcare rates for behavioral health CPT codes
Parite looks up therapist reimbursement rates from published sources. It covers Medicare's 2026 fee schedule for every state, Medicaid FFS for 24 jurisdictions, and UnitedHealthcare medians for 51 jurisdictions from Transparency in Coverage files. Each number shows its source file and date. Example: UHC pays a median of $127.94 for 90837 in Texas.
How we got this number: Texas UHC 90837 median $127.94 is 319 published rate rows, source file dated 2026-09-01. Medicaid FFS is 23 states plus DC. Aetna and Anthem commercial stay Coming soon.
Rate Lookup example (Ohio, CPT 90837, UHC file dated 2026-09-01):The Ohio UHC median for CPT 90837 is $139.72. Change the state or code in Rate Lookup to update this line.
Other published UnitedHealthcare 90837 medians (source file dated 2026-09-01): Nebraska $147.07, Alaska $146.12, Indiana $139.72, South Carolina $135.85, Arizona $130.42, Massachusetts $147.07, Pennsylvania $137.51, Illinois $137.78.
51UHC jurisdictions
24Medicaid FFS jurisdictions
PFSMedicare, every state
SoonAetna and Anthem
Official Medicare PFS (free)
CY 2026 locality rates from CMS RVU26D
Participating-physician amounts calculated from the official October 2026 Relative Value file (effective 2026-10-01). These cells are Medicare PFS, not commercial TiC and not Medicaid. Follows the homepage filters (defaults to 90837). Start with CPT 90837 in Ohio or the Contract Checker.
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Note. Prescriber-only codes: E/M codes (99213–99215) and 90792 are billed by MD/DO & PMHNP only. Other credentials show N/A for these codes.
Note. ABA codes (97151, 97153, 97155, 97156) apply to BCBA credential only and are billed in 15-minute units. Rates shown are per unit. ABA fee schedules are negotiated separately; treat as estimates.
Note. H0001 & H0004 are HCPCS Level II codes (not CPT). Commercial payer coverage varies significantly. H0004 is billed per 15-min unit. CADC/LADC panel acceptance also varies by plan.
Note. Medicaid rates are fee-schedule-based estimates: Medicare rate × state Medicaid/Medicare ratio (source: Zhu et al. 2023, Health Affairs; confirmed state fee schedules for CO, NM, NY, VA). Select a state to see state-specific estimates. H0001, H0004, and ABA codes have no Medicare reference; a national CMS claims average is used instead. Medicaid pays the same rate regardless of credential type.
Code
Description
Category
Health Plan
Credential
Est. Rate
Select a state, code, or credential to view estimated rates
Click any state to filter all views to that market.
Payer comparison for selected code & credential (defaults to 90837 / PhD/PsyD). Select a state to see state-specific plans.
Rate comparison across all credential types for the selected code and state.
The Rate Lookup table is a model. Published UnitedHealthcare medians replace the UHC column when a fetched cell exists. Aetna and Anthem commercial stay Coming soon. Other plan columns are estimates, not published allowed amounts.
Relative Value
Each CPT/HCPCS code carries a relative value benchmarked against 90837. Medicare-covered codes use CMS RVU ratios. HCPCS H-codes (no Medicare reference) use commercial market averages from published MRF data.
Geographic Adjustment
The modeled table applies a state-level GPCI-style factor. That factor is not a published commercial allowed amount.
Credential Factor
Each credential type commands a different rate multiplier relative to PhD/PsyD anchor. MD/DO typically bills at 104–105%; master's-level clinicians at 79–85%; BCBA at parity. Factors are derived from MRF benchmarks.
Data Sources
CMS Transparency in Coverage MRFsMedicare Physician Fee Schedule (MPFS)CMS Geographic Practice Cost IndexSapphire MRF Hub (BCBS plans)Commercial ABA market benchmarks
Market Intelligence
Analyze payer rates by market to identify contracting opportunities. All data sourced from CMS Transparency in Coverage machine-readable files and the Medicare Physician Fee Schedule.
Payers ranked highest to lowest by their negotiated rate for the selected state and credential. Rates are GPCI-adjusted from TiC MRF anchor rates.
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Multi-code rate comparison: big 5 national payers
Rates for key therapy and evaluation codes across UHC, Anthem, Aetna, Cigna, and Humana, adjusted for the selected state and credential. National averages used when no state is selected.
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Medicaid vs. commercial rate gap: all states
Compares the highest modeled commercial rate (LCSW, 90837) with the Medicaid FFS estimate for each state. States sorted by largest gap. These figures are modeled estimates, not published contract rates.
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Competitor provider group rate intelligence
Estimated negotiated rates for major behavioral health provider groups vs. the market benchmark. Rates are tier-estimated from CMS TiC MRF data and public earnings disclosures. Look up any group by NPI to compare against the benchmark.
Type a name to search the NPPES registry for any behavioral health organization. Any group over ~20 providers can be found and compared against the market benchmark. Or enter a 10-digit NPI for a direct lookup.
Behavioral health rate plans
The Enterprise plan includes the modeled commercial table. Published Medicare, Medicaid FFS, and UnitedHealthcare pages stay on the site. Aetna and Anthem are Coming soon.
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1 CPT code (90837) in 1 state (Ohio)
Official UHC OHBS median $139.72 (modeled table stays paywalled)
Top 3 BH competitor groups in Market Intelligence
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All 23 CPT & HCPCS codes
Modeled commercial table across 50 states (estimates, not published allowed amounts)
Published UHC commercial rates: 50 states and DC
Medicaid FFS: 23 states and DC. Aetna and Anthem: Coming soon
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Questions
What is a tool to look up insurance reimbursement rates for therapists?
Parite shows Medicare, Medicaid FFS, and UnitedHealthcare rates for therapy CPT codes such as 90837, 90834, and 90791 by state, with the source file and date for each number. Aetna and Anthem are Coming soon.
How is Parite different from crowdsourced therapist rate sites?
Crowdsourced sites report rates therapists submit. Parite uses published files: CMS fee schedules, state Medicaid fee schedules, and the UnitedHealthcare Transparency in Coverage file. For example, the Texas UHC 90837 median of $127.94 is based on 319 published rate rows.