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Guide · reviewed 2026-10-26

Therapist fee splits: calculate your share of reimbursement

A 60% share of $120 in collected reimbursement is $72 before other deductions and taxes. The reimbursement amount, the split percentage, and the amount you receive are separate entries in the calculation.

The figures in this guide are fictional arithmetic examples dated October 26, 2026. They are neither survey findings nor recommended contract terms.

Write down the base before applying the percentage

Ask your practice to identify the amount your percentage applies to. Compare the agreement’s wording with a sample compensation statement. Record how insurer payments, patient responsibility, later adjustments and any listed fees enter that calculation.

For example, “60% of eligible collections” needs an answer to two questions: which receipts are eligible, and when are they counted? An insurer’s allowed amount and the cash collected on a claim can differ. See the allowed-amount guide before comparing them.

Calculate a fictional 60/40 split

This example assumes the fee is deducted after the split. If the agreement deducts it first, the result is ($120 − $4) × 60% = $69.60. Ask for the actual order in writing and reconcile it with the statement.

Compare offers using the same assumptions

Complete the following worksheet separately for each offer. Leave an entry blank when the agreement does not answer it.

• The exact compensation base and the clinician’s percentage.
• Which services and payments are included.
• How unpaid claims, refunds, no-shows and later adjustments are handled.
• Any separate fees and the order in which they are applied.
• Which administrative work, supervision, office costs or benefits the arrangement includes.
• The payment schedule and the documentation available to check each amount.

A higher percentage alone cannot establish which offer leaves more after expenses. Work through the same fictional claim under each agreement and list the services included in each offer.

Keep taxes and work status in the comparison

For self-employed clinicians, business expenses and tax obligations affect the amount ultimately available. The IRS explains net business profit and self-employment tax in its self-employed tax center. Individual treatment depends on your circumstances; ask a tax professional about your situation.

Keep compensation separate from rate reports

TherapistRates’ reimbursement table collects reported payments for services by payer, route, state, credential and code. Use a payment you actually received for the selected code and route. Keep any separately observed allowed amount in its own field, and leave unknown amounts blank. A calculation from an assumed reimbursement is not an observed payment. Follow the submission form’s instructions.

If you are evaluating a platform relationship, the platform comparison and insurance panel checklist address other parts of the decision.

Common questions

What does a 60/40 therapist split mean?

If your agreement assigns 60% of eligible collected reimbursement to the clinician, $120 collected produces $72 before other agreed deductions and taxes. Confirm which party receives each percentage and what the calculation includes.

Is the reimbursement rate my take-home pay?

The rate describes payment for a service. Your compensation depends on your agreement, eligible collections, deductions, expenses and taxes.

Which number should I submit to TherapistRates?

Report an amount you actually received for the selected code and route. Enter the allowed amount separately only when you can identify it on the remittance or EOB. Leave unknown amounts blank instead of calculating them from an assumed rate.

This worksheet explains arithmetic and questions to ask about an individual agreement. It does not recommend a split, decide employment classification, or assess a contract’s legality.

Every figure above is a community report unless a primary source is linked. The full table · the CSV · add your rate.