Ask Aetna for a higher rate today.

We pull the public rate data, build your leverage story, and write the letter.
upgRATE makes it easier than you thought.

Join the waitlist →How it works

No credit card required.

The data

Insurers have to publish what they pay every in-network provider. We help you see where you stand.

Here's how they publish their data

{"reporting_entity_name":"Aetna","reporting_entity_type":"Third-Party Administrator","plan_name":"Aetna Open Access","plan_id_type":"EIN","in_network":[{"negotiation_arrangement":"ffs","name":"Psychotherapy 45 min","billing_code_type":"CPT","billing_code":"90834","billing_code_type_version":"2024","description":"Psychotherapy, 45 minutes with patient","negotiated_rates":[{"provider_groups":[{"npi":["1234567890","1234567891"],"tin":{"type":"ein","value":"12-3456789"}}],"negotiated_prices":[{"negotiated_type":"negotiated","negotiated_rate":87.42,"expiration_date":"9999-12-31"…

What you get to work with

90834 · AetnaBelow market

90837 · AetnaBelow market

90791 · AetnaAt market

90847 · AetnaBelow market

90785 · AetnaBelow market

How upgRATE helps

A good rate request takes specific work. We do most of it for you.

The letters that get responses are grounded in the payer's own data, built around your specific practice, and framed the way successful requests are framed. Here's how we handle each piece.

We pull the public data

Your payer's published rates for your market, specialty, and CPT codes — processed into a clear view of where you sit.

You'll see your rates in context: below market, at market, or above.

We build your leverage story with you

A short profile about your practice — credentials, specialties, outcomes, patient access — turns your strengths into the case only you can make.

This is what makes your letter non-generic. It's the part a template can't fake.

We write the letter, calibrated to each payer

A payer-specific letter with a calibrated ask, evidence ordered the way payers read it, and a follow-up cadence that keeps the conversation alive.

You read it, edit if you want, and send it on your letterhead. The negotiation stays yours.

What's included

One flat fee. Four payers. Five CPT codes.

Consultants charge 20–30% of whatever rate increase they negotiate, often five figures over a multi-year contract. We automated the parts a computer can do and charge $249 flat. You keep 100% of whatever you negotiate.

upgRATE for NY therapists

Covers the four payers below. More states coming later.

$249one-time · no subscription

Aetna

Anthem BCBS

UnitedHealthcare

Cigna

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A letter for each of the four payersEach calibrated to that payer's framing. Covers 90834, 90837, 90791, 90847, and 90785.
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Rate verification from your EOBsWe tell you which EOBs to pull. You enter the numbers. We confirm the gap.
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Target-rate recommendations per CPTGrounded in the public data for your market. You have final say.
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Send-to instructions for each payerWho to contact, what to attach, what to expect.
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Follow-up cadence and counteroffer prepWhen to nudge Aetna in week 3 vs. week 6. What to say when Cigna stalls.