Area Insights
Therapy practice market data for California 95046
ZIP 95046 in California scores 68 out of 100 (Moderate Opportunity) for starting or growing a therapy practice. The area has 6,324 residents, 92% of them insured, and 2 registered therapists. Medicare pays $167.26 for a 60-minute therapy session here.
Opportunity score
68/100
Population
6,324
Median income
$158,550
Insured residents
92.4%
Therapists
2
Therapists per 10K
3.2
Medicare 90837
$167.26
HPSA status
Designated
The Practice Opportunity Score weighs market demand, provider supply, Medicare reimbursement, and shortage-area incentives. It assumes a Master's-level credential; adjust the credential in the interactive report.
Who insures the people in 95046?
Of 6,324 residents in 95046, 45.7% hold employer-based coverage, 16.1% are covered by Medicaid, 15.7% by Medicare, 9.9% buy marketplace plans, and 7.6% are uninsured. Payer mix decides what a practice actually collects, so credential where the coverage is.
| Employer-based | 45.7% |
| Medicaid | 16.1% |
| Medicare | 15.7% |
| Marketplace | 9.9% |
| Uninsured | 7.6% |
How many therapists already practice in 95046?
The National Plan and Provider Enumeration System (NPPES) lists 2 behavioral health providers in 95046: 2 therapists, 0 psychologists, and 0 psychiatrists. That is 3.2 therapists per 10,000 residents, which reads as balanced supply for a market this size.
What does Medicare pay for therapy in 95046?
Medicare's Physician Fee Schedule for the REST OF CALIFORNIA locality pays $167.26 for a 60-minute psychotherapy session (CPT code 90837), $114.00 for a 45-minute session (90834), and $173.84 for an initial diagnostic evaluation (90791).
| CPT code | Session type | Medicare rate |
|---|---|---|
| 90791 | Initial diagnostic evaluation | $173.84 |
| 90834 | 45-minute psychotherapy | $114.00 |
| 90837 | 60-minute psychotherapy | $167.26 |
| 90847 | Family therapy (patient present) | $108.62 |
| 90853 | Group psychotherapy | $30.37 |
Is 95046 a federal shortage area?
A Health Professional Shortage Area (HPSA) is a federal designation for areas with too few mental health providers. Practicing in one can qualify clinicians for a 10% Medicare bonus and loan repayment programs. 95046 carries a ZIP-confirmed mental health designation, so those incentives apply here.
Nearby ZIPs that score higher
Go deeper on 95046
The interactive report adds carrier rankings, demographics, credential-adjusted rates, and a playbook for this market. And if the market looks good, Aria runs eligibility checks and billing follow-up for practices like the ones serving 95046.
Sources: U.S. Census Bureau American Community Survey (ACS) 2024 5-year estimates, the National Plan and Provider Enumeration System (NPPES) provider registry, Health Resources and Services Administration (HRSA) shortage designations, and the Centers for Medicare and Medicaid Services (CMS) Physician Fee Schedule. Last refreshed 2026-02-15T00:40:43.270Z.