For private-pay practices
Free tools & benchmarks for private-pay therapists
Running a cash-pay or out-of-network practice means answering hard business questions: what to charge, what insurers actually pay, which codes you are leaving money on, and where demand is. These free calculators answer them with real public federal data — no login, nothing stored.
How much does insurance pay for therapy?
Therapy Reimbursement Benchmark
What insurers actually pay for therapy by CPT code, state, and payer (UnitedHealthcare, Cigna, Centene, Anthem) vs Medicare. Built from public CMS and Transparency-in-Coverage data.
Open the tool →90834 vs 90837 — am I under-coding?
Billing Revenue-Leak Calculator
See the legitimate reimbursement you may be losing by under-coding 90834 instead of 90837, plus missed 90785 add-ons, in your state. Bill what you actually documented.
Open the tool →Good faith estimate template for therapists
Good Faith Estimate Generator
Produce a No Surprises Act Good Faith Estimate for self-pay clients in minutes. All required fields and disclaimers, generated in your browser. Nothing is stored.
Open the tool →How to set sliding-scale therapy fees
Sliding-Scale Fee Calculator
Set fair, consistent reduced fees anchored to the federal poverty guidelines. Enter your full fee, your floor, and the client’s household size and income.
Open the tool →How much do therapists make by state?
Therapist Salary by State
Official BLS wages for counselors, psychologists, MFTs, and clinical social workers — median, mean, and 10th–90th percentile by state. A floor, not your private-pay fee.
Open the tool →Where is mental health care most underserved?
Mental Health Shortage by State
Where mental-health care is most underserved, from HRSA federal designations — useful for telehealth expansion or deciding where to grow a practice.
Open the tool →Built on real data, not guesswork
Most "calculators" for therapists are blank forms or made-up averages. These are different: each one is tied to a specific public dataset — the CMS Physician Fee Schedule, payer Transparency-in-Coverage files, HRSA shortage designations, BLS wage statistics, and the HHS poverty guidelines — and every figure is a benchmark we can show our work on. Where the public data does not support a number (for example, a true private-pay cash-rate map), we say so rather than inventing one.
They are made by CoralEHR, an EHR built for private-pay behavioral-health practices — but every tool is free to use on its own.
Frequently Asked Questions
Are these tools really free? +
Yes. Every tool on this page is free and requires no account to use. They are built from public federal data (CMS, HRSA, BLS, HHS) and the calculators run entirely in your browser, so nothing you enter is stored.
Who are these tools for? +
Private-pay and out-of-network behavioral-health therapists in the US — counselors, psychologists, marriage and family therapists, and clinical social workers running or starting a cash-pay practice. They cover the business side: what to charge, what insurers pay, coding revenue, Good Faith Estimates, and where demand is.
Where does the data come from? +
Public federal sources: the CMS Physician Fee Schedule and payer Transparency-in-Coverage files (reimbursement), HRSA Health Professional Shortage Areas (shortage), BLS Occupational Employment & Wage Statistics (salaries), and the HHS federal poverty guidelines (sliding scale). The reimbursement dataset is open source. Every figure is a benchmark, not a guarantee, and the tools say so.
Do I need an EHR to use them? +
No. The tools stand alone. They are made by CoralEHR, an EHR built for private-pay therapists, but you can use every calculator without signing up for anything.