Payer contract guide
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Negotiating with United: Fee Schedule and Reimbursement Rate Benchmarks for 2026
UnitedHealthcare operates employer and individual health benefits, Medicare and retirement products, and Medicaid-focused Community & State plans. Those lines of business use different products, networks, and contracting arrangements. PayerPrice structures the published United rate records it tracks so contract teams can compare the same plan, market, and provider type.
UnitedHealthcare
Employer, individual, Medicare, and Medicaid coverage
Plans tracked
Providers (NPIs)
Rate observations
MRF publication cadence
Monthly
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United Overview
UnitedHealthcare, at a glance
UnitedHealthcare operates employer and individual health benefits, Medicare and retirement products, and Medicaid-focused Community & State plans. Those lines of business use different products, networks, and contracting arrangements.
Compare rates from the same UnitedHealthcare business line, network, and market. A national average can provide context, but the provider agreement determines the applicable rate.
Payer sources
UnitedHealthcare business overviewUnited reimbursement can vary by product, network, provider contract, service details, and geographic location. Match those attributes before relying on a parent-brand benchmark.
Quick Facts
OFFICIAL PAYER + PAYERPRICE DATA
| Payer Type | National health benefits business |
| Total Membership | |
| Market Share | |
| Plan Types | Employer & Individual Medicare & Retirement Medicaid |
| Plans Tracked in PayerPrice | |
| Data Source | Machine Readable Files (TiC Rule) |
| Data Freshness | Updated monthly |
Negotiation Playbook
How to negotiate better United reimbursement rates
Use these four steps to check the current contract, choose comparable rates, and prepare a specific proposal for United.
Step 1
Benchmark your current rates
Start with the executed contract and recent remittances. Confirm which rates are in use before comparing them with published data.
Step 2
Prioritize material services
Use paid claims to find the services that matter most financially. The priority list should reflect your practice, not an arbitrary number of codes.
Step 3
Build a comparable peer set
Compare published rates from the same plan and market for similar providers. Use them as context; they do not prove what another provider was paid on a specific claim.
Step 4
Build the negotiation case
Show the current terms, matched benchmarks, expected financial effect, and proposed rates. Spell out any assumptions.
Build a proposal the payer can evaluate.
Match published rates to the contract's network and market, then apply your own service mix to estimate the financial effect.
See our full payer contract negotiations guide for the deep dive.
Reimbursement Rates · National Avg.
United rates for commonly billed CPT codes
These national-average in-network rates come from the latest available PayerPrice dataset. The table also shows the Medicare allowed amount for each selected CPT code. The provider contract and claim details determine the actual reimbursement.
| CPT | Description | Category | United National Avg. | Medicare Benchmark | |
|---|---|---|---|---|---|
| 99214 | Office Visit, Established (Moderate) | E&M | View rates | ||
| 99213 | Office Visit, Established (Low) | E&M | View rates | ||
| 99215 | Office Visit, Established (High) | E&M | View rates | ||
| 90837 | Psychotherapy, 60 min | Psychiatry | View rates | ||
| 90834 | Psychotherapy, 45 min | Psychiatry | View rates | ||
| 90791 | Psychiatric Diagnostic Evaluation | Psychiatry | View rates | ||
| 70450 | CT Head/Brain without Contrast | Radiology | View rates | ||
| 73721 | MRI Lower Extremity Joint | Radiology | View rates | ||
| 45378 | Diagnostic Colonoscopy | Surgery | View rates |
Rates shown are national averages. Actual United reimbursement varies by affiliate, plan, geographic location, and provider contract. For provider-level detail by NPI or Tax ID, run a free sample report.
United Machine Readable Files
How to read United machine-readable files
Under the Transparency in Coverage requirements, most non-grandfathered group health plans and health insurance issuers offering non-grandfathered group or individual coverage must publish machine-readable files with in-network negotiated rates and out-of-network allowed amounts and billed charges. See the CMS guidance for plans and issuers. CMS's technical clarification states that the files are updated monthly.
PayerPrice makes the United records it tracks searchable by billing code, provider, plan, and market.
Search United rates without opening raw filesrate observations in latest dataset
Frequently asked
Common questions about United fee schedules
A United fee schedule sets reimbursement terms for covered services in a provider agreement. The contract may use code-based prices or another payment method. PayerPrice organizes the published United rate records it tracks for comparison.
For United contract leads
Compare published United rates for similar providers.
Start with a sample of published United rate data, then narrow the comparison by plan, market, billing code, and provider attributes.
Your sample includes
Published rate records from United
CPT and Medicare comparisons, where available
Filters for plan, market, and provider
Guidance for reading machine-readable files