Guide · updated October 18, 2026
How NPs ask an insurer for a higher rate
A step-by-step plan: find your number, compare, write the letter, follow up.
- Find your current rate. It is on your fee schedule or remittance (ERA/EOB). Use the rate for your most common code, usually 99214.
- Compare it. On your state page, see the typical rate for that insurer and Medicare. Check my rate gives a verdict in about 30 seconds.
- Write a short, factual letter. State your current rate, the typical rate for your state and code, and a specific ask. The free rate letter drafts it; it never asks for less than you are paid now.
- Send it to provider relations or contracting. Keep a copy and note the date.
- Follow up. Many insurers take 30–90 days. If they say no, ask what would change their answer; see when they say no.
This guide is general information, not legal or billing advice.
All guides · NP Reimbursement 2026 · About the data
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