Calculator · insurance contracting

Which written offer is actually worth more?

In short

Which written insurance offer is actually worth more?

Fees, fill rate, no-shows, administration and total working time compared

Two offers side by side

Compare two routes after fill rate, unpaid appointments, percentage fees, billing expense, fixed costs, administration, notes, and total working time.

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Use your own written terms.
The starting values are illustrative interface examples—not reported payer or platform rates. Contracts differ by provider, service, product, location and date.

Offer ALabelAllowed amount per completed sessionExpected fill rateShare of offered slots that become booked appointments.Unpaid appointment lossShare of booked appointments that produce no collection.Platform or service feeBilling costInsurance administration hours/monthAnnual fixed costs for this route

Offer BLabelAllowed amount per completed sessionExpected fill rateUnpaid appointment lossPlatform or service feeEnter a percentage only when the written terms charge one.Billing costInsurance administration hours/monthAnnual fixed costs for this route

Shared practice assumptions

Available sessions/weekWorking weeks/yearSession plus notes, minutesValue of one admin hourUsed for opportunity-cost net; cash net is also shown separately.

How to use the result

Run the written offer—not a rate remembered from a discussion.
Repeat the calculation with conservative and optimistic fill-rate assumptions.
Confirm which services the rate covers, whether fees can change, how claims and denials work, and what happens when the arrangement ends.
Do not treat a platform relationship as a direct payer contract unless the documents say that it is.

Return to the Insurance Navigator · Compare insurance with private pay

Source notes

Use the citations and any dated evidence records to check the claims relevant to your task. This label is not a verification status.

Insurance & pay

What the practice earns, what a session is worth, and what you keep.

How can I track several therapist insurance panel applications without confusing credentialing with an effective contract?A private on-device application portfolio with eleven separate milestones, follow-up dates, JSON backup, calendar export, and explicit billing boundaries What does my actual payer mix produce after administrative friction?Editable multi-channel revenue, time, delay and concentration scenario with no published rate assumptions How can California therapists evaluate compensation without giving up private figures?Public-source pay evidence plus browser-local offer, payer-mix, and group-practice tools

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How to use the result

Insurance & pay

You should not have to work this part out on your own.