Browser-only practice economics · no account
What does your actual payer mix leave after friction?
Model four editable payment channels, cancelations, collection loss, admin time, billing cost, credentialing delay and revenue concentration—without pretending a payer name determines a rate.
Model →Every dollar amount below is an editable example.
No commercial payer rate is supplied, inferred or recommended. Enter the amount your own contract, offer or fee schedule supports. The tool stores and sends nothing.
Model the mix
See what each channel contributes.
Use a separate card for private pay, each payer contract, a platform, an EAP or another materially different arrangement. Every edit updates that channel and the whole practice immediately.
“Collected fee” means the total amount expected for a completed visit under that exact channel—not the billed charge. Credentialing delay affects the first year only.
Read the result carefully
What this model does—and does not—answer.
Product, network, administrator, CPT code, license, location and contract channel can all change the amount. Use only your own supported input.
The result subtracts the entered billing percentage and values admin time separately. It does not include rent, software, payroll tax, benefits, income tax or every denial.
Credentialing delay changes first-year collections; it does not change the routine annual scenario after the channel is operating.
The largest revenue channel is flagged at 35 percent and 50 percent. Those thresholds are planning prompts, not financial advice or a claim that diversification is always preferable.
Related evidence
Verify inputs before comparing channels.
Contract evidence
Compare a written payer offer
Separate the fee, billing cost, administrative duties and effective hourly result.
Public evidence standard
What can safely be published as a rate
Official schedules, dated job postings and thresholded permission-based aggregates stay visibly separate.
Demand evidence
See which payer names appeared in referrals
Demand mentions are not reimbursement evidence, market share or provider supply.
Single-channel comparison
Compare insurance with private pay
Use the simpler calculator when you only need two channels.
