Research

What Payers Actually Pay

Since 2022, federal Transparency in Coverage rules require health insurers to publish the rates they have negotiated with every in-network clinician. The files are public but enormous, often hundreds of gigabytes per payer each month. PECS reads them, matches each rate to the clinician's NPI and specialty, and summarizes the results here so clinicians can see the market before they sign or renegotiate a contract.

Rate Reports

• Texas Psychologist Testing Rates. UnitedHealthcare, Aetna, Cigna and BCBS of Texas, codes 90791 and 96130 to 96139, with Medicare for comparison.

How the Data Is Built

• Source: each payer's own in-network rate files, downloaded the month shown on each report.
• Clinicians: individual NPIs from the CMS NPPES registry, filtered by the specialty taxonomy and practice state. Group and facility NPIs are excluded.
• Rates: the negotiated fee-for-service amount for each billing code, without modifiers. Each clinician counts once per code and network.
• Summary: the middle (median) rate and the range most clinicians fall within (25th to 75th percentile).

Published rates are contract rates, not what any one clinician collects after patient cost-sharing, and a payer may hold several contracts for the same clinician. Use them as a benchmark, not a promise.

By the PECS credentialing team, updated October 17, 2026.