Rate benchmarks
What do payers really pay?
Every major insurer is federally required to publish its negotiated rates in machine-readable files. We normalize those disclosures — refreshed monthly — into clean, national benchmarks with an office/facility split, so you can see the median, the range, and the percent of Medicare for a code at a glance.
Aetna
- CPT 99203 — New patient office visit, level 3
- CPT 99204 — New patient office visit, level 4
- CPT 99213 — Established patient office visit, level 3
- CPT 99214 — Established patient office visit, level 4
Cigna
- CPT 99203 — New patient office visit, level 3
- CPT 99204 — New patient office visit, level 4
- CPT 99213 — Established patient office visit, level 3
- CPT 99214 — Established patient office visit, level 4
Rates by state
National medians can over- or under-state a local market. State-scoped benchmarks — Tennessee first — compute the same medians over in-state contracting groups only.
Rates by specialty
See where your own contracts stand
These pages show the market. EarnestMD resolves your providers and benchmarks your actual rates against comparable practices — then builds the case for the increase.
Source: payer Transparency in Coverage machine-readable files. Aggregate benchmarks only; no individual practice or contract is identified. EarnestMD is independent and not affiliated with any insurer.