How we calculated this

Every figure on this page is a ballpark, rounded to the nearest $5,000, for a panel with a mix of Medicare, Medicaid, and commercial patients. We anchor the arithmetic to public 2026 Medicare rates because they sit between the two: Medicaid generally pays less, commercial plans generally pay more. Nurse practitioners bill under their own NPI at 85% of the physician fee schedule, across a set number of visits per week over 48 weeks a year, which leaves four weeks for holidays and time off.

Every figure assumes a mix of 20% new-patient level-4 visits (99204) and 80% established-patient level-4 visits (99214). Medicare payments come from the 2026 physician fee schedule: each code's relative value units, adjusted by the Maryland geographic indices, times the 2026 conversion factor of $33.4009. Maryland spans three Medicare payment localities — the DC suburbs (Montgomery and Prince George's), the Baltimore area, and the rest of the state — and we average them into a single statewide figure. The annual figures are estimates of practice earnings before tax, benefits, and office rent. With Kinstead you're paid per visit, so what you take home doesn't swing with what a given payer decides to pay or how quickly they pay it.

We then lower the Maryland figures by 10%, because practices here tend to earn somewhat less than the Medicare arithmetic alone suggests.

These are estimates, not a guarantee, an offer, or legal, tax, or financial advice. Individual results vary with payer mix, panel size, no-show rate, and how the practice is run.

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