{
  "updated": "2026-08-12",
  "note": "Seed rows are community reports collected from public r/therapists threads, 2024-2026. Each carries its source link. verified:false means self-reported and not yet confirmed with an EOB or contract.",
  "rates": [
    {
      "platform": "direct-contracts",
      "payer": "Optum/UHC",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 110.3,
      "effective": "2024-10",
      "note": "Solo-contract rate cited for comparison against platform rates. Same commenter reported Optum pays Alma ~$151 for the identical session.",
      "source": "https://www.reddit.com/r/therapists/comments/1gghinr/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Optum/UHC",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 120.0,
      "effective": "2024-11",
      "note": "Cut from $130 in the November 2024 Optum rate reduction ($7 across Optum/UHC/UMR/Surest).",
      "source": "https://www.reddit.com/r/therapists/comments/1gghinr/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Optum/UHC",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 112.0,
      "effective": "2024-11",
      "note": "Reported alongside the Alma figure; Optum reportedly pays Headway ~$130 for the session.",
      "source": "https://www.reddit.com/r/therapists/comments/1gghinr/",
      "verified": false
    },
    {
      "platform": "grow-therapy",
      "payer": "Kaiser",
      "state": "CA",
      "license": null,
      "cpt": "90837",
      "rate": 101.2,
      "effective": "2025-09",
      "note": "Kaiser NorCal paid Grow $213.07 for the same session; the clinician received $101.20.",
      "source": "https://www.reddit.com/r/therapists/comments/1nipnnr/",
      "verified": false
    },
    {
      "platform": "grow-therapy",
      "payer": "BCBS",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 68.51,
      "effective": "2025-09",
      "note": "Same clinician reported $104 for the same BCBS session through Headway.",
      "source": "https://www.reddit.com/r/therapists/comments/1nipnnr/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "BCBS",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 104.0,
      "effective": "2025-09",
      "note": "Comparison figure from a clinician credentialed on both Grow and Headway.",
      "source": "https://www.reddit.com/r/therapists/comments/1nipnnr/",
      "verified": false
    },
    {
      "platform": "grow-therapy",
      "payer": "Cigna",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 68.0,
      "effective": "2025-09",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1nipnnr/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "BCBS",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 110.0,
      "effective": "2024-12",
      "note": "Clinician reported Headway billed BCBS $220 for the session and paid $110; the claim was later denied as too expensive.",
      "source": "https://www.reddit.com/r/therapists/comments/1h5xuh7/",
      "verified": false
    },
    {
      "platform": "rula",
      "payer": "All payers (flat)",
      "state": "CA",
      "license": "PhD/PsyD",
      "cpt": "90837",
      "rate": 90.0,
      "effective": "2025-12",
      "note": "Rula pays a flat per-session rate regardless of payer.",
      "source": "https://www.reddit.com/r/therapists/comments/1pwpkg5/",
      "verified": false
    },
    {
      "platform": "rula",
      "payer": "All payers (flat)",
      "state": "GA",
      "license": null,
      "cpt": "90837",
      "rate": 70.0,
      "effective": "2025-12",
      "note": "Rula pays a flat per-session rate regardless of payer.",
      "source": "https://www.reddit.com/r/therapists/comments/1pwpkg5/",
      "verified": false
    },
    {
      "platform": "sondermind",
      "payer": "All payers (flat)",
      "state": "NH",
      "license": null,
      "cpt": "90837",
      "rate": 72.0,
      "effective": "2025-05",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1kjqujx/",
      "verified": false
    },
    {
      "platform": "sondermind",
      "payer": "All payers (flat)",
      "state": "NH",
      "license": null,
      "cpt": "90834",
      "rate": 49.0,
      "effective": "2025-05",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1kjqujx/",
      "verified": false
    },
    {
      "platform": "sondermind",
      "payer": "All payers (flat)",
      "state": "NH",
      "license": null,
      "cpt": "90791",
      "rate": 84.0,
      "effective": "2025-05",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1kjqujx/",
      "verified": false
    },
    {
      "platform": "spring-health",
      "payer": "EAP",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 85.0,
      "effective": "2026-03",
      "note": "Multiple clinicians report $75-85 unchanged since 2021.",
      "source": "https://www.reddit.com/r/therapists/comments/1s2p246/",
      "verified": false
    },
    {
      "platform": "spring-health",
      "payer": "EAP",
      "state": "SC",
      "license": "LPC/LMHC",
      "cpt": "90837",
      "rate": 100.0,
      "effective": "2026-03",
      "note": "$130 in-person, $100 virtual, with paid no-shows; rates appear state- and license-dependent.",
      "source": "https://www.reddit.com/r/therapists/comments/1s2p246/",
      "verified": false
    },
    {
      "platform": "lyra",
      "payer": "EAP",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 85.0,
      "effective": "2024-08",
      "note": "Contractor rate, reported as non-negotiable; a 5-year contractor reported annual rate-increase requests denied every year.",
      "source": "https://www.reddit.com/r/therapists/comments/1emfs3b/",
      "verified": false
    },
    {
      "platform": "betterhelp",
      "payer": "Self-pay (platform)",
      "state": null,
      "license": null,
      "cpt": "90834",
      "rate": 30.0,
      "effective": "2026-05",
      "note": "Effective per-session pay. Stepped hourly ladder starts near $30/hr and caps at $70/hr; sessions pay for 45 minutes; no-shows pay $10.",
      "source": "https://www.reddit.com/r/therapists/comments/1tkreu8/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Aetna",
      "state": null,
      "license": "PhD/PsyD",
      "cpt": "90837",
      "rate": null,
      "effective": "2026-07",
      "note": "RATE CUT, amount varies by contract: effective July 15, 2026, Alma pays 90837 at 90834 rates and doctoral-level clinicians at master's level. Community estimates put the reduction at 30-40%. Directly-paneled Aetna therapists report no change.",
      "source": "https://www.reddit.com/r/therapists/comments/1tj1bl1/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "SC",
      "license": null,
      "cpt": "90837",
      "rate": 117.43,
      "effective": "2025-11",
      "note": "SC Medicaid published rate per poster",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Optum/UHC",
      "state": null,
      "license": "LCSW",
      "cpt": null,
      "rate": 121.33,
      "effective": "2025-11",
      "note": "United; solo practice licensed in DC/MD/VA",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "BCBS",
      "state": null,
      "license": "LCSW",
      "cpt": null,
      "rate": 101.91,
      "effective": "2025-11",
      "note": "solo practice, DC/MD/VA",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Aetna",
      "state": null,
      "license": "LCSW",
      "cpt": null,
      "rate": 101.35,
      "effective": "2025-11",
      "note": "solo practice, DC/MD/VA",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Cigna",
      "state": null,
      "license": "LCSW",
      "cpt": null,
      "rate": 108,
      "effective": "2025-11",
      "note": "solo practice, DC/MD/VA",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Tricare",
      "state": null,
      "license": "LCSW",
      "cpt": null,
      "rate": 81.9,
      "effective": "2025-11",
      "note": "solo practice, DC/MD/VA",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "Amwell",
      "payer": "All payers (flat)",
      "state": "AZ",
      "license": null,
      "cpt": "90834",
      "rate": 55,
      "effective": "2025-11",
      "note": "flat per session, 1099",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CA",
      "license": null,
      "cpt": "90837",
      "rate": 131.97,
      "effective": "2025-10",
      "note": "Medi-Cal, most payors",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CA",
      "license": null,
      "cpt": "90834",
      "rate": 90,
      "effective": "2025-10",
      "note": "Medi-Cal",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CA",
      "license": null,
      "cpt": "90837",
      "rate": 171,
      "effective": "2025-10",
      "note": "one CA county's Medi-Cal rate",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CA",
      "license": null,
      "cpt": "90837",
      "rate": 175,
      "effective": "2025-11",
      "note": "Alameda County Medi-Cal, 53-minute session",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CA",
      "license": null,
      "cpt": null,
      "rate": 65,
      "effective": "2025-11",
      "note": "Santa Cruz County Medi-Cal, secondhand report",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CA",
      "license": null,
      "cpt": "90837",
      "rate": 99.98,
      "effective": "2025-10",
      "note": "Medi-Cal via Health Net",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "lyra",
      "payer": "EAP",
      "state": null,
      "license": null,
      "cpt": "90791",
      "rate": 120,
      "effective": "2025-10",
      "note": "intake rate",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "lyra",
      "payer": "EAP",
      "state": null,
      "license": null,
      "cpt": null,
      "rate": 100,
      "effective": "2025-10",
      "note": "per session; same rate telehealth and in-person",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "lyra",
      "payer": "EAP",
      "state": null,
      "license": null,
      "cpt": null,
      "rate": 115,
      "effective": "2025-10",
      "note": "family therapy sessions; minors same rate",
      "source": "https://www.reddit.com/r/therapists/comments/1oku9ao/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "BCBS",
      "state": "TX",
      "license": null,
      "cpt": "90837",
      "rate": 92.04,
      "effective": "2025-08",
      "note": "BCBS PPO, masters level",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Aetna",
      "state": "TX",
      "license": null,
      "cpt": "90837",
      "rate": 129.74,
      "effective": "2025-08",
      "note": "masters level",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Aetna",
      "state": "GA",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 121,
      "effective": "2025-08",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Quest Behavioral Health",
      "state": "GA",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 125,
      "effective": "2025-08",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Oscar",
      "state": "GA",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 112,
      "effective": "2025-08",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Carelon",
      "state": "GA",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 93,
      "effective": "2025-08",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "BCBS",
      "state": "DC",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 114.97,
      "effective": "2025-08",
      "note": "CareFirst; $5 above poster's direct contract",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Optum/UHC",
      "state": "WA",
      "license": "LPC/LMHC",
      "cpt": "90837",
      "rate": 120.55,
      "effective": "2025-08",
      "note": "United",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "BCBS",
      "state": "NJ",
      "license": null,
      "cpt": "90837",
      "rate": 115,
      "effective": "2025-09",
      "note": "Horizon BCBS NJ, masters level",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Aetna",
      "state": "NY",
      "license": "PhD/PsyD",
      "cpt": "90837",
      "rate": 185,
      "effective": "2026-01",
      "note": "NYC, virtual only",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Optum/UHC",
      "state": "NC",
      "license": null,
      "cpt": "90837",
      "rate": 116.8,
      "effective": "2025-09",
      "note": "masters level; 90834 $101.30, 90791 $119.72",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Aetna",
      "state": "NC",
      "license": null,
      "cpt": "90837",
      "rate": 129.74,
      "effective": "2025-09",
      "note": "masters level; 90834 $103, 90791 $132.28",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Cigna",
      "state": "NC",
      "license": null,
      "cpt": "90837",
      "rate": 95,
      "effective": "2025-09",
      "note": "masters level; 90834 $79, 90791 $110",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Optum/UHC",
      "state": "NE",
      "license": null,
      "cpt": "90837",
      "rate": 107.8,
      "effective": "2025-09",
      "note": "LIMHP; 90834 $92.30",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Aetna",
      "state": "TN",
      "license": "LMFT",
      "cpt": "90837",
      "rate": 121,
      "effective": "2025-09",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "Maven Clinic",
      "payer": "EAP",
      "state": null,
      "license": null,
      "cpt": null,
      "rate": 65,
      "effective": "2025-10",
      "note": "offer to licensed providers, per session",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "BCBS",
      "state": "TX",
      "license": null,
      "cpt": "90837",
      "rate": 93.88,
      "effective": "2025-08",
      "note": "BCBS PPO and HMO, masters level; Medicare Advantage $124.99",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "BCBS",
      "state": "RI",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 128,
      "effective": "2025-08",
      "note": "LICSW",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "BCBS",
      "state": "IA",
      "license": null,
      "cpt": "90837",
      "rate": 172.9,
      "effective": "2025-08",
      "note": "masters level; 90791 $187.10, 90834 $116.70",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Optum/UHC",
      "state": "IA",
      "license": null,
      "cpt": "90837",
      "rate": 89.25,
      "effective": "2025-08",
      "note": "UHC, masters level",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "BCBS",
      "state": "DC",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 109.97,
      "effective": "2025-08",
      "note": "CareFirst; increased to $113.40 in December 2025",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Cigna",
      "state": "DC",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 128,
      "effective": "2025-08",
      "note": "LICSW; group and individual contracts pay the same",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Aetna",
      "state": "OR",
      "license": null,
      "cpt": "90837",
      "rate": 151.74,
      "effective": "2025-08",
      "note": "group contract, masters level; 90791 $164.15",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Kaiser",
      "state": "OR",
      "license": null,
      "cpt": "90837",
      "rate": 167.09,
      "effective": "2025-08",
      "note": "group contract; 90791 $171.98",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicare",
      "state": "OR",
      "license": null,
      "cpt": "90837",
      "rate": 154.29,
      "effective": "2025-08",
      "note": "group contract; 90791 $166.91",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "OR",
      "license": null,
      "cpt": "90837",
      "rate": 184.66,
      "effective": "2025-08",
      "note": "OHP open-card base rate; CareOregon Tier 2 $203",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "NM",
      "license": null,
      "cpt": "90837",
      "rate": 220,
      "effective": "2025-09",
      "note": "LMSW, group practice",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "MI",
      "license": null,
      "cpt": "90837",
      "rate": 81.28,
      "effective": "2026-01",
      "note": "Meridian Medicaid, group; below state Medicaid minimum per poster",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Cigna",
      "state": "NC",
      "license": null,
      "cpt": "90837",
      "rate": 103,
      "effective": "2025-09",
      "note": "Evernorth first offer; poster reports negotiable to $115, then $130 before signing",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Aetna",
      "state": "AZ",
      "license": "PhD/PsyD",
      "cpt": "90837",
      "rate": 137.75,
      "effective": "2025-10",
      "note": "decreased $2 on 2025-10-15; BCBS AZ $122.03",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "BCBS",
      "state": "VA",
      "license": null,
      "cpt": "90837",
      "rate": 150,
      "effective": "2025-12",
      "note": "Anthem, independent contract, masters level, rounded",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Tricare",
      "state": "VA",
      "license": null,
      "cpt": "90837",
      "rate": 74,
      "effective": "2025-12",
      "note": "independent contract, masters level, rounded",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Optum/UHC",
      "state": "WA",
      "license": "LCSW",
      "cpt": "90837",
      "rate": 159,
      "effective": "2025-12",
      "note": "United/Optum, group practice, western WA; group Cigna $117",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Aetna",
      "state": "CA",
      "license": "LMFT",
      "cpt": "90837",
      "rate": 112.96,
      "effective": "2025-08",
      "note": "Southern CA, direct credentialing; Cigna offered $80, declined",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Optum/UHC",
      "state": "MD",
      "license": "PhD/PsyD",
      "cpt": "90837",
      "rate": 115.82,
      "effective": "2025-09",
      "note": "United Behavioral Health/Optum, Baltimore area",
      "source": "https://www.reddit.com/r/therapists/comments/1mg8k8o/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Cigna",
      "state": "AZ",
      "license": null,
      "cpt": "90837",
      "rate": 39,
      "effective": "2026-05",
      "note": "lowest Cigna rate reported in the thread",
      "source": "https://www.reddit.com/r/therapists/comments/1t3raxc/",
      "verified": false
    },
    {
      "platform": "Collective Counseling Solutions",
      "payer": "Cigna",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 110,
      "effective": "2026-05",
      "note": "contracted via Collective Counseling Solutions",
      "source": "https://www.reddit.com/r/therapists/comments/1t3raxc/",
      "verified": false
    },
    {
      "platform": "direct-contracts",
      "payer": "Medicaid",
      "state": "CO",
      "license": null,
      "cpt": "90837",
      "rate": 130,
      "effective": "2026-05",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1t3raxc/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Aetna",
      "state": null,
      "license": "LCSW",
      "cpt": "90837",
      "rate": 130,
      "effective": "2026-05",
      "note": "therapist payout ~$130 including $25 copay; EOB showed Aetna paid Alma $122.19",
      "source": "https://www.reddit.com/r/therapists/comments/1tj1bl1/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Aetna",
      "state": "CO",
      "license": null,
      "cpt": "90837",
      "rate": 121.74,
      "effective": "2026-05",
      "note": "most other plans pay $95-98 for 90837 via Headway in CO per poster",
      "source": "https://www.reddit.com/r/therapists/comments/1tiu710/",
      "verified": false
    },
    {
      "platform": "headway",
      "payer": "Aetna",
      "state": "CO",
      "license": null,
      "cpt": "90834",
      "rate": 95,
      "effective": "2026-05",
      "note": null,
      "source": "https://www.reddit.com/r/therapists/comments/1tiu710/",
      "verified": false
    },
    {
      "platform": "alma",
      "payer": "Optum/UHC",
      "state": null,
      "license": null,
      "cpt": "90837",
      "rate": 126.8,
      "effective": "2024-10",
      "note": "pre-cut rate; reduced to $116.80 November 2024; 90791 $126.80 cut to $119.72",
      "source": "https://www.reddit.com/r/therapists/comments/1gghinr/",
      "verified": false
    },
    {
      "platform": "rula",
      "payer": "All payers (flat)",
      "state": null,
      "license": null,
      "cpt": null,
      "rate": 80,
      "effective": "2024-11",
      "note": "flat per session regardless of payer at the time; raised to $90 later in 2024",
      "source": "https://www.reddit.com/r/therapists/comments/1gghinr/",
      "verified": false
    }
  ]
}