Area Insights
Therapy practice market data for Kentucky 40118
ZIP 40118 in Kentucky scores 64 out of 100 (Moderate Opportunity) for starting or growing a therapy practice. The area has 10,697 residents, 88% of them insured, and 1 registered therapists. Medicare pays $157.39 for a 60-minute therapy session here.
Opportunity score
64/100
Population
10,697
Median income
$59,316
Insured residents
87.9%
Therapists
1
Therapists per 10K
0.9
Medicare 90837
$157.39
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 40118?
Of 10,697 residents in 40118, 38.3% hold employer-based coverage, 24.8% are covered by Medicaid, 11.2% by Medicare, 2.4% buy marketplace plans, and 12.1% are uninsured. Payer mix decides what a practice actually collects, so credential where the coverage is.
| Employer-based | 38.3% |
| Medicaid | 24.8% |
| Medicare | 11.2% |
| Marketplace | 2.4% |
| Uninsured | 12.1% |
How many therapists already practice in 40118?
The National Plan and Provider Enumeration System (NPPES) lists 1 behavioral health providers in 40118: 1 therapists, 0 psychologists, and 0 psychiatrists. That is 0.9 therapists per 10,000 residents, which reads as undersupplied supply for a market this size.
What does Medicare pay for therapy in 40118?
Medicare's Physician Fee Schedule for the KENTUCKY locality pays $157.39 for a 60-minute psychotherapy session (CPT code 90837), $107.28 for a 45-minute session (90834), and $163.07 for an initial diagnostic evaluation (90791).
| CPT code | Session type | Medicare rate |
|---|---|---|
| 90791 | Initial diagnostic evaluation | $163.07 |
| 90834 | 45-minute psychotherapy | $107.28 |
| 90837 | 60-minute psychotherapy | $157.39 |
| 90847 | Family therapy (patient present) | $104.62 |
| 90853 | Group psychotherapy | $28.59 |
Is 40118 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 may apply to addresses in 40118. Verify your exact practice address in the HRSA shortage area tool before counting on the incentives.
Nearby ZIPs that score higher
Go deeper on 40118
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 40118.
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 2026-02-14T23:37:20.463Z.