Sources & methods
Where the estimator gets the editable defaults for rates, annual assumptions, and overhead.
| Assumption | How the default is set | Sources | Confidence and limits |
|---|---|---|---|
| Private-pay rateMixed | Credential base x state index x metro/non-metro modifier x experience multiplier, rounded to the nearest $5. |
SimplePractice: state/session-rate anchor.
Zencare: credential calibration.
BLS OEWS + CMS RVU26C: missing-state proxies.
research/v2/private-pay-rates.md: metro/experience calibration.
GoodTherapy: range check.
|
Profile-dependent. Stronger with published state values; weaker for pre-licensed, experience, metro, and proxy-filled states. |
| Insurance rateLow | CMS non-facility 90837 rate x 65% commercial planning point. The visible planning range is 50%-80% of Medicare. | CMS RVU26C: Medicare backbone. TheraThink rates + comparison: commercial range. 65% is the midpoint planning default. | CMS math is high-confidence. Commercial reimbursement is low-confidence because contracts vary by payer, plan, license, CPT, and market. |
| Annual assumptionsMedium | 48 working weeks and 10% missed or late-cancel sessions. Weekly session count stays user-controlled. | Internal note: research/v2/caseload-norms.md; source file: Therapy-Private-Practice-Roadmap/research/comprehensive-costs.md. |
48 weeks is a solid planning default. Absence rate should be changed for a known cancellation policy or established caseload. |
| Practice-shape presetsPreset | Each preset splits the current weekly session count across private, sliding, insurance, and reduced-fee rows. | Built-in ratios: private-pay 52/13/26/9; balanced 39/17/31/13; insurance 22/13/52/13; access 26/26/31/17. | These are scenario presets, not external benchmarks. Edit the session counts directly when you know the mix. |
| Overhead presetsMedium | Telehealth costs plus monthly share of annual insurance/admin items. Hybrid and office presets add office rent. |
SimplePractice: EHR.
Doxy.me + local notes: telehealth.
Psychology Today listing cost + local notes: marketing.
Insureon: insurance.
Heard: bookkeeping/tax.
research/v2/overhead-costs.md: phone/email, office rent, local cost ranges.
|
Vendor prices are direct. Office rent, marketing, bookkeeping, and insurance should be replaced with known costs when available. |
Confidence: high means official data or direct pricing; medium means direct sources plus calibration; low means a broad planning range; mixed means the row combines stronger and weaker inputs.
Use: these are starting defaults for planning, not quotes, tax advice, billing advice, legal advice, or clinical advice.