Area Insights
Therapy practice market data for Tennessee 38128
ZIP 38128 in Tennessee scores 45 out of 100 (Watchlist) for starting or growing a therapy practice. The area has 42,162 residents, 85% of them insured, and 28 registered therapists. Medicare pays $157.92 for a 60-minute therapy session here.
Opportunity score
45/100
Population
42,162
Median income
$47,645
Insured residents
85.3%
Therapists
28
Therapists per 10K
6.6
Medicare 90837
$157.92
HPSA status
Possible
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 38128?
Of 42,162 residents in 38128, 33.2% hold employer-based coverage, 29.6% are covered by Medicaid, 8.8% by Medicare, 2.6% buy marketplace plans, and 14.7% are uninsured. Payer mix decides what a practice actually collects, so credential where the coverage is.
| Employer-based | 33.2% |
| Medicaid | 29.6% |
| Medicare | 8.8% |
| Marketplace | 2.6% |
| Uninsured | 14.7% |
How many therapists already practice in 38128?
The National Plan and Provider Enumeration System (NPPES) lists 33 behavioral health providers in 38128: 28 therapists, 5 psychologists, and 0 psychiatrists. That is 6.6 therapists per 10,000 residents, which reads as saturated supply for a market this size.
What does Medicare pay for therapy in 38128?
Medicare's Physician Fee Schedule for the TENNESSEE locality pays $157.92 for a 60-minute psychotherapy session (CPT code 90837), $107.57 for a 45-minute session (90834), and $163.68 for an initial diagnostic evaluation (90791).
| CPT code | Session type | Medicare rate |
|---|---|---|
| 90791 | Initial diagnostic evaluation | $163.68 |
| 90834 | 45-minute psychotherapy | $107.57 |
| 90837 | 60-minute psychotherapy | $157.92 |
| 90847 | Family therapy (patient present) | $104.63 |
| 90853 | Group psychotherapy | $28.61 |
Is 38128 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. A county-level designation exists in this county, but local provider density makes qualification at addresses in 38128 unlikely. Verify with HRSA if the incentives matter to your plan.
Nearby ZIPs that score higher
Go deeper on 38128
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 38128.
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 2026-02-14T23:35:17.270Z.