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For the exact same hour of therapy (CPT 90837), commercial negotiated rates run from $78 to $542, median $147 — and inside a single carrier, UnitedHealthcare, psychotherapy rates vary by up to 7x (Trilliant Health, 2026). A rate the clinician can't predict and the employer can't audit isn't a glitch. It's the design.
EAPs cost employers thousands per employee annually — yet 94–97% of that investment sits untouched. The problem isn't that employees don't want help. It's that the system wasn't designed for how human brains actually work.