Alma
Often appears with a national contract pattern, with separate state-specific entries in some files (especially New York).
Methodology
How we collect, process, and present behavioral health rate data.
Data Sources
All rates come from public Transparency in Coverage (TiC) machine-readable files published by commercial payers. These files contain negotiated in-network contracted rates.
We focus this tracker on behavioral health codes and the payer plans currently included in our coverage set.
Why this data is complex
- Each payer can include many plans, and each plan can publish a large set of MRF files.
- A single payer can therefore produce hundreds of files that need to be parsed and standardized before rates are comparable.
- Contract structures also vary by group: national, state-specific, or a mix of both.
How we summarize rates
- We ingest and parse all available in-network rate files for covered payer plans.
- We extract behavioral health service codes and normalize values into a common dashboard dataset.
- We show the median rate for each payer × group × code × state slice to reduce outlier noise.
In short: this page does not show one-off claims, it shows median contracted rates from public payer disclosures.
How to read national vs state views
- Some groups are represented mainly by national contracts (rates look similar across states).
- Some groups are represented by state-specific contracts (rates can differ materially by state).
- Some groups have both patterns, so state filters can change what you see.
Group notes (high-level MRF appearance)
Headway
Usually appears as state-level entities, so rates are commonly state-specific rather than one national rollup.
Grow Therapy
Appears as a mix: national-style coverage in many places plus specific state contracts in select markets.
Talkiatry
Commonly shows a national default pattern with additional state-specific contract entries in some states.
Talkspace
Most often appears as a single national contracting entity in payer files.
Cerebral
Primarily appears as a national contracting entity across the major payer file sets we process.
SonderMind
Typically appears as a national network entity, with rates that often behave like all-state contracts.
LifeStance Health
More state-by-state structure, where local entities are common and national rollup assumptions are limited.
Rula
Expected to appear as a national structure when present; coverage is expanding as additional payer files are processed.