Florida Therapist Rate Report: 4 Major Payers (2026)

One payer underpays you. Four payers? That's a pattern.

Anthem, Cigna, Aetna, and UnitedHealthcare each set their own rates for the same session — and the differences are massive. Most Florida therapists are leaving money on the table with at least one of them. Many are leaving it with all four.

We analyzed every CPT 90837 negotiated rate these insurers were forced to publish under federal law. This bundle gives you the full picture across your entire panel — so you know exactly who's paying fair and who's lowballing you.

What's Inside (For Each of the 4 Payers)

• 4 Benchmark Reports (PDF) — Full rate distributions with 10th through 90th percentile breakdowns
• 4 Rate Histograms — See how each payer's rates cluster across Florida
• 4 Earnings Projection Tables — Weekly and annual earnings at every percentile level
• 4 Provider Sample Lists (120 providers total) — Real names, credentials, cities, and actual negotiated rates
• Cross-Payer Comparison Report — Side-by-side view so you instantly see who pays more and who pays less
• Rate Negotiation Email Templates — 3-stage framework ready to customize for any payer
• All Raw Data (CSV) — Filter by payer, city, credential, or rate range in Excel or Google Sheets
• Full Methodology & Legal Disclosures — Every step documented

Why the Bundle

You save $267 — and get the one thing a single report can't give you: leverage across your entire panel.

Not Surveys. Actual Rates.

This data comes directly from machine-readable files insurers are legally required to publish under federal rule 85 FR 72158. Accessed January 2026. Cleaned, deduplicated, and analyzed — not recycled industry estimates from years ago.

The Math

If this report helps you negotiate just $10 more per session with one payer:

• 25 sessions/week = +$250/week
• 48 working weeks = +$12,000/year

Now imagine doing that with two or three payers.

Your cost: $249. Your potential ROI: 100x+.

Instant Delivery

Digital product. After purchase you'll receive an email with a secure download link. Check spam if it doesn't arrive within a few minutes, or contact us at transparencyprojectllc@gmail.com.