Your payers
Name your own fee row “cash”, “private pay”, “self-pay” or “sliding”. The last three columns may be blank (100% paid, 30 days, 0 minutes). Use your own remittances for the paid share.
Your time
Paste your payers, then click Compare.
Result
Net per clinical hour, by payer
| Payer | Allowed | Paid share | Net per session | Net per hour | Lost to denials, billing, admin | Monthly net | Owed to you |
|---|
If you dropped a panel
| Panel | Break-even refill | Per year at 25% | at 50% | at 75% | at 100% | Rate to match | Read |
|---|
How it is calculated
Net per session: allowed amount × share of claims paid × (1 − billing fee) − billing minutes ÷ 60 × the hourly value you set. Cash rows pay no billing fee. Net per hour: net per session ÷ ((session minutes + notes minutes) ÷ 60). Break-even refill: a panel's net per session ÷ your best cash net per session, the share of the freed slots cash clients must take for dropping the panel to break even; an empty slot earns nothing. Rate to match: (target × hours + billing cost) ÷ (paid share × (1 − billing fee)).
Not modelled: referral flow and the clients a panel brings you, client attrition when you move to cash, credentialing and contract costs, rate changes mid-year, no-shows and late cancels (these differ by payer), supervision and group rates, taxes, and whether your contract lets you leave or change terms. Unverified: tested on hand-calculated examples, not on a real practice's books. It tells you the cost of keeping a panel, not whether to keep it.
Common questions
Should I drop an insurance panel and go cash-only?
Not from a single number. A panel's net per session has to be compared with what the freed slots would earn, and they only earn it if cash clients actually take them. This tool shows the break-even refill share: the fraction of the freed slots that cash clients must fill for dropping the panel to break even, and the annual result at 25, 50, 75 and 100 percent refill. You supply the refill estimate, because only you know your local market.
How much does an insurance panel really pay per session?
Less than the contracted rate. Multiply the allowed amount by the share of claims actually paid after denials and write-offs, subtract any billing-service percentage, and subtract the cost of the time you spend on claims at your own hourly value. Paste your allowed amounts, paid shares and billing minutes and the tool does it for every payer, per session and per clinical hour.
How do I compare cash pay and insurance per hour?
Divide each net-per-session figure by the hours a session takes including notes. A $160 cash session and a $118 panel session are not 36 percent apart once denials, slow payment and billing time are counted. The tool puts every payer on the same net-per-hour footing so the comparison is one column.
What rate should I ask an insurance panel for?
The rate at which that panel would net you the same per hour as your cash fee, or any target you enter. The tool solves it from the paid share, billing minutes and any billing fee, and shows the gap to your current contract rate. It is a figure to take into a rate negotiation, not a promise that a payer will agree.
What counts as a cash row?
Any row whose name starts with cash, private pay, self-pay, out-of-pocket or sliding. Those rows have no billing-service percentage applied. Add your standard fee and, if you use one, a sliding-scale row, and the refill comparison uses your best cash row.
How should I count denials and slow payment?
Enter the share of claims that are eventually paid, for example 92 percent, from your own remittances over a recent quarter, and the average days from the session to the money arriving. Days to payment do not change the net per session; they raise the receivables you carry and the tool flags payers that pay in 45 days or more.
Is client information involved, and is my data uploaded?
No client-level data is needed or accepted by design: every row is a payer with period totals. Nothing you type is sent to a server, there are no accounts or cookies, and it works offline once the page has loaded.
Does this replace billing software or an accountant?
No. It does arithmetic on figures you type. It does not file claims, read contracts, track credentialing, or give tax, legal or clinical advice, and it does not tell you which networks to join.