4d • General discussion
This Is Where Most PMHNPs Start Undervaluing Themselves
Insurance Companies Aren’t Setting Your Worth—You Are
At some point, every PMHNP building a practice runs into this:
It’s not launching your practice.
It's not getting your first patient.
It’s sitting there… staring at an insurance fee schedule thinking:
“Is this really what I’m worth?”
And feeling like you’re supposed to just accept it.
I remember that moment clearly.
Because most of us were trained to follow systems… not question them.
But here’s what changes everything:
You are not asking for a favor.
You are solving a problem.
There’s a massive shortage of mental health providers.
Patients are waiting months to be seen.
Insurance companies NEED you to meet network demand.
That shift alone changes the entire conversation.
Now negotiation isn’t about “hoping they say yes.
”It’s about clearly defining your value.
Here’s what actually moves the needle:
Know your numbersCompare your rates to Medicare (commercial should be higher)
Know your value
Short wait times
Telehealth access
Specialized care
Reduced hospitalizations
Know your ask
Don’t say “more”
Ask for a specific increase or rate adjustment
And when they say no (because sometimes they will)…
That’s not the end.
That’s the start of the conversation.
Ask when contracts are reviewed
Ask what metrics they need
Follow up
The providers who get increases aren’t always the “best”…
They’re the ones who advocate.
This isn’t just about money.
It’s about building a practice that:
Supports you
Supports your patients
And doesn’t burn you out in the process
And this is just one part of the process.
Negotiating insurance is important…
but it’s only one of many things you’ll need to navigate as you build your practice the right way.
That’s exactly why I created Thrive NP Academy
Application-only mentorship
A full step-by-step business roadmap
Ongoing support and accountability
This isn’t about guessing your way through it.
It’s about building it correctly from the beginning—and having the guidance to keep moving forward with confidence.
Apply here:
Not sure where you are in the process yet?
Reach out anytime:
I’ll help you figure out your next step.
Or explore more about what we’re building:
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This Is Where Most PMHNPs Start Undervaluing Themselves
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