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What insurers list for NPs in California
Restricted practice · AANPListed rates from insurer price files · 2026 Q4
That's 75% of what Medicare pays an NP in California. Based on 1,930 NP billing groups.
Typical = the middle of 6 insurers' typical rates, one vote per insurer, so the largest insurer (38% of groups) can't set it alone.
Insurer by insurer
Listed rates from insurer files, not amounts paid · 2026 Q4. Highest first. Only insurers with 5 or more solo NP billing groups for this visit. "Top 25% get" needs 10+ groups.
| Insurer | Typical rate | Top 25% get | Based on | |
|---|---|---|---|---|
| Optum Behavioral Health | $114.62 | $114.62 same | 118 groups | Check mine → |
| Oscar Health | $114.62 | $114.62 same | 468 groups | Check mine → |
| Ambetter | $102.45 | $140.00 | 40 groups | Check mine → |
| Aetna (CVS Health) | $94.50 | $94.50 same | 738 groups | Check mine → |
| Cigna | $90.33 | $93.16 | 470 groups | Check mine → |
| UnitedHealthcare | $85.68 | $94.86 | 93 groups | Check mine → |
| MedicarePublic | $119.80–$144.52 | CMS 2026, NP rate | ||
| MedicaidPublic | $115.88 | State fee schedule, NP |
Large organizations are listed 40% higher than solo NPs
| Solo NP practice You? | $98.48 | 1,930 groups |
| NP-only group | $100.06 | 246 groups |
| NP + physician group | $107.27 | 3,222 groups |
| Large organization | $137.86 | 1,050 groups |
Platforms in California
See every platform's listed rates → Some platforms now charge a per-session fee. Estimate what it costs you →
What platforms pay NPs in California
From NPs' own reports, anonymous. A platform's median shows once 5 NPs report it.
No NP has reported platform pay for California yet for this visit. Be the first.
Paid through a platform? Add what you get for one 99214 visit. About 30 seconds, no sign-up. See where you stand right away.Need a collaborating physician?
California requires a physician agreement. State law requires career-long supervision, delegation or team management by another provider.
Most NPs pay $499–$599 a month for collaboration. At $98.48 a 99214 in California, that is about 5–6 visits a month.
NP Collaborator matches NPs with collaborating physicians in every state that requires one.
Talk to NP CollaboratorSee if collaboration pays for youFee range from NP Collaborator's Fair Price for Collaboration Report (2,000+ contracts). Visit rate: listed rates across all insurers.
See the full picture for California
- What the top 25% of NP groups get from each insurer, your negotiation target
- Who gets paid more: solo vs group vs large organizations
- A free dashboard to save your rates and track your insurer requests
Every typical rate, Medicare, Medicaid, the offer check and the letter stay free without signing up.
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Full detail for California
Practice types, every visit code, each insurer by practice type and NP-owned vs physician-led billing.Show full detail
Full detail for California
By practice type · 99214 Follow-up visit, moderate
All insurers together. Groups differ in more than practice type; this is a comparison of listed rates, not a promise.
| Practice type | Typical rate | Based on |
|---|---|---|
| Solo NP practice | $98.48 | 1,930 groups |
| NP-only group | $100.06 | 246 groups |
| NP + physician group | $107.27 | 3,222 groups |
| Large organization | $137.86 | 1,050 groups |
| Physician group | $113.24 | 3,934 groups |
Every visit code
Solo NP typical rate across insurers, next to Medicare 2026 and California Medicaid NP rates.
| Visit | Solo NP typical | Medicare | Medicaid |
|---|---|---|---|
| 99214 Follow-up visit, moderate | $98.48 | $119.80–$144.52 | $115.88 |
| 99213 Follow-up visit, simpler | $72.49 | $84.34–$102.11 | $82.02 |
| 99215 Follow-up visit, complex | $145.58 | $169.61–$204.02 | $162.11 |
| 99204 New patient visit | $149.18 | $155.58–$186.71 | $151.90 |
| 99205 New patient visit, complex | $192.97 | $207.04–$248.01 | $197.98 |
| 90792 Psychiatric intake (evaluation) | $156.76 | $176.22–$204.10 | $175.74 |
| 90833 Therapy add-on, 30 min | $61.44 | $70.97–$81.97 | $62.12 |
| 90836 Therapy add-on, 45 min | $75.16 | — | $78.73 |
| 90837 Therapy, 60 min | $131.26 | — | $131.97 |
| G2211 Ongoing-care add-on | $17.44 | $15.12–$17.66 | — |
Insurer by practice type
Each insurer's typical rate for 99214. Cells need 5+ billing groups. Tap an insurer for every code.
| Insurer | Solo NP practice | NP-only group | NP + physician group | Large organization |
|---|---|---|---|---|
| Optum Behavioral Health | $114.62 | $114.62 | $114.62 | $146.33 |
| Oscar Health | $114.62 | $114.62 | $114.62 | $124.77 |
| Ambetter | $102.45 | $105.25 | $128.24 | $141.41 |
| Aetna (CVS Health) | $94.50 | $94.50 | $99.91 | $106.77 |
| Cigna | $90.33 | $90.33 | $90.33 | $134.31 |
| UnitedHealthcare | $85.68 | $94.86 | $94.86 | $143.83 |
NP-owned vs physician-led billing
Who owns the billing group, by insurer, for 99214 (number of groups in brackets). It varies by insurer: in some, NP-owned groups list lower; in others, higher.
| Insurer | NP-owned | Physician-led | Difference |
|---|---|---|---|
| Aetna (CVS Health) | $94.50 (879) | $99.91 (1,314) | -5% |
| Ambetter | $99.84 (55) | $128.24 (679) | -22% |
| Cigna | $90.33 (612) | $90.33 (342) | 0% |
| Optum Behavioral Health | $114.62 (163) | $114.62 (148) | 0% |
| Oscar Health | $114.62 (621) | $114.62 (334) | 0% |
| UnitedHealthcare | $85.68 (109) | $94.86 (404) | -10% |
More: all 25 states · 99214 in every state · 90792 in every state · guides