Free calculator

Is this insurance panel worth it?

Not every panel earns its keep, but the naive read (private pays more, so drop it) misses the point: an empty slot earns nothing. The real question is whether you'd actually refill those slots at private pay. Enter one panel's numbers and we'll show its true per-session take after denials and admin time, plus the fill rate at which dropping it comes out ahead. A rough guide for the keep-or-drop call, not advice.

Panel rate / session · what this insurer contracts to pay$Your private-pay rate · what you'd charge cash for the same hour$Denied or clawed back · share of claims you never collect%Admin time / claim · billing + follow-up, unpaidminYour admin time is worth · what an hour of your time is worth$/hrSlots this panel fills / week · sessions it currently keeps fullOf those, you could fill privately · be honest: an empty slot earns $0%

$82/session

This panel really pays

-$78 vs private · $65/hr incl. admin

51%

Break-even fill rate

refill more than this privately to win

-$13/wk

Worth keeping (for now)

you'd lose this by dropping it

The gut read is "private pays more, so drop it." But an empty slot earns nothing. This panel pays you about $82/session after denials and admin time. To come out ahead by dropping it, you'd need to refill more than 51% of its slots at private pay; you said you could fill 50%. So for now it beats an empty chair. A rough guide: your real denial rate and how fast you'd refill are the swing factors.

This is one slice. The full Snapshot shows your whole picture: what you really keep, your effective rate, and where the money goes. Free, about five minutes, nothing leaves your browser.

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