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What Direct contracts pays therapists

A direct contract is your practice’s agreement with a payer. Compare the exact plan, service location, billing identifiers, effective date and rate schedule. Existing independent agreements and platform group enrollment are separate arrangements. Reported direct and platform medians come from different submissions and do not predict the income change from switching.

Reported 90837: median $120, range $39–$284, middle half $107–$139, about 96% of the 2026 national Medicare reference for a master's-level clinician (290 reports · 354 across all CPTs · updated 2026-09-27)

Direct contracts 90837 by payer

PayerMedianRangeReports
BCBS$134$82–$28486
Aetna$117$78–$17051
Optum / UHC$116$89–$19045
Cigna$102$39–$14134
Medicaid$125$60–$22027
Kaiser$130$90–$1676
Carelon$108$67–$2106
Medicare$138$77–$1634
Healthfirst$112$97–$1123
Harvard Pilgrim$141$141–$1412
Premera$135$135–$1352
Ambetter$109$103–$1152
Dean$194single report1
PacificSource$171single report1
Providence$161single report1
Providence Powered by Collective Health$161single report1
Lyra$150single report1
Fallon Health$141single report1
Blue Care Network$137single report1
CHAMPVA$134single report1
Massachusetts Behavioral Health Partnership (MBHP)$126single report1
Regence$120single report1
Community Care Alliance$120single report1
MVP$115single report1
Carelon Commercial$115single report1
Tufts Health Public Plan$114single report1
Carefirst$113single report1
EAP$100single report1
Anthem$85single report1
Tricare$74single report1

All 354 Direct contracts reports

PayerStLicenseCPTRateEffectiveNote / source
BCBSMALCSW90837 (60 min)$140.12September 2026This is for an independently licensed clinician as a sole proprietor in private practice (LICSW) submitted
Optum / UHCILPhD/PsyD90837 (60 min)$125September 2026submitted
MedicaidTNPre-licensed90837 (60 min)$60September 2026submitted
AetnaMNPre-licensed90837 (60 min)$157.52September 2026submitted
AetnaFLLPC/LMHC90837 (60 min)$79September 2026submitted
Optum / UHCCALMFT90837 (60 min)$121.33September 2026Not updated or adjusted in at least 3 years submitted
Carelon CommercialCALMFT90837 (60 min)$115September 2026submitted
CHAMPVACALCSW90837 (60 min)$133.75September 2026CHAMPVA pays 75% of Medicare rate. Does not require clinician to be credentialed. Exact rate varies based on specific zip code, 90837 is usually around $130-135 in CA submitted
PremeraWALPC/LMHC90837 (60 min)$135September 2026submitted
AetnaORLCSW90837 (60 min)$142.26September 2026submitted
BCBSORLCSW90837 (60 min)$152.52September 2026submitted
Optum / UHCARLPC/LMHC90846 (family, no client)$104.11September 2026submitted
AetnaARLPC/LMHC90837 (60 min)$78.49September 2026submitted
AetnaNCLPC/LMHC90837 (60 min)$138September 2026submitted
BCBSNCLPC/LMHC90837 (60 min)$138September 2026submitted
CignaWILPC/LMHC90837 (60 min)$62September 2026submitted
CignaWILPC/LMHC90834 (45 min)$60September 2026submitted
AetnaKSLCSW90837 (60 min)$112August 2026submitted
MedicaidKSLCSW90837 (60 min)$115August 2026submitted
MedicaidORLPC/LMHC90837 (60 min)$201.28August 2026Used to be 184 until billed rate raised to 220 submitted
BCBSORLPC/LMHC90837 (60 min)$152.58August 2026submitted
ProvidenceORLPC/LMHC90837 (60 min)$160.58August 2026submitted
MedicareORLPC/LMHC90837 (60 min)$77August 2026submitted
CignaORLPC/LMHC90837 (60 min)$98August 2026submitted
BCBSMTLCSW90837 (60 min)$156.19August 2026submitted
KaiserORLPC/LMHC90837 (60 min)$165August 2026submitted
AetnaCALCSW90791 (intake)$123.75August 2026submitted
AetnaCALCSW90837 (60 min)$112.96August 2026submitted
AetnaCALCSW90834 (45 min)$82.50August 2026submitted
Optum / UHCCALCSW90791 (intake)$137.10August 2026submitted
Optum / UHCCALCSW90837 (60 min)$115.82August 2026submitted
Optum / UHCCALCSW90834 (45 min)$78.73August 2026submitted
EAPGALPC/LMHCOther$85August 2026$85 per 50-min session submitted
CignaCALCSW90791 (intake)$140August 2026submitted
CignaCALCSW90837 (60 min)$88August 2026submitted
CignaCALCSW90834 (45 min)$80August 2026submitted
MedicaidCALMFT90837 (60 min)$131.97August 2026submitted
MedicaidCALMFT90834 (45 min)$89.64August 2026submitted
EAPCALMFT90837 (60 min)$100August 2026The pay is the same whether 90834 or 90837. I just received a raise from $90 to $100 by asking for it. They also pay for client no-shows. Very easy, hands-off EAP, with no paperwork really. submitted
BCBSILLCPC/LPCC/LCMHC90837 (60 min)$133.67August 2026submitted
HealthfirstNYLPC/LMHC90837 (60 min)$112August 2026Solo private practice submitted
AetnaNJPhD/PsyD90837 (60 min)$170.48August 2026submitted
BCBSIALCSW90837 (60 min)$180.80August 2026submitted
AetnaTXLCSW90837 (60 min)$112.50August 2026submitted
BCBSMALPC/LMHC90837 (60 min)$139.06August 2026submitted
CignaMALPC/LMHC90837 (60 min)$69August 2026submitted
Optum / UHCMALPC/LMHC90837 (60 min)$141.08August 2026submitted
—VTLCPC/LPCC/LCMHC90847 (family, with client)$180August 2026submitted
BCBSPALPC/LMHC90837 (60 min)$131.29August 2026submitted
BCBSPALPC/LMHC90837 (60 min)$125.07August 2026submitted
AetnaPALPC/LMHC90837 (60 min)$110.21August 2026submitted
Optum / UHCPALPC/LMHC90837 (60 min)$110.30August 2026submitted
BCBSVALPC/LMHC90837 (60 min)$171August 2026$161 in 2025 submitted
CignaVALPC/LMHC90837 (60 min)$102August 2026submitted
Optum / UHCVALPC/LMHC90837 (60 min)$109.59August 2026submitted
MedicaidVALPC/LMHC90837 (60 min)$113August 2026submitted
AetnaMALCSW90837 (60 min)$144.08August 2026submitted
BCBSKYMD/DO90837 (60 min)$109August 2026submitted
MedicareKYMD/DO90837 (60 min)$163August 2026submitted
AetnaCTLPC/LMHC90791 (intake)$145.66August 2026submitted
AetnaCTLPC/LMHC90837 (60 min)$122.36August 2026submitted
AetnaCTLPC/LMHC90834 (45 min)$83.18August 2026submitted
BCBSCTLPC/LMHC90791 (intake)$132.30August 2026submitted
CignaCTLPC/LMHC90791 (intake)$148August 2026submitted
MedicaidCTLPC/LMHC90837 (60 min)$105.68August 2026submitted
MedicaidCTLPC/LMHC90834 (45 min)$70.48August 2026submitted
Optum / UHCCTLPC/LMHC90791 (intake)$156.57August 2026submitted
Optum / UHCCTLPC/LMHC90837 (60 min)$132.09August 2026submitted
CignaNJLPC/LMHC90837 (60 min)$115August 2026$3 increase yearly - you need to reach out to them directly submitted
CignaNCLPC/LMHC90837 (60 min)$109.18August 2026submitted
Harvard PilgrimMALCSW90837 (60 min)$140.55August 2026submitted
Fallon HealthMALCSW90837 (60 min)$141.09August 2026submitted
Tufts Health Public PlanMALCSW90837 (60 min)$114.26August 2026submitted
BCBSMALCSW90837 (60 min)$139.06August 2026submitted
BCBSTXLMFT90837 (60 min)$104.75August 2026submitted
BCBSTXLPC/LMHC90837 (60 min)$104.75August 2026submitted
CignaTNPre-licensed90834 (45 min)$68August 2026submitted
Optum / UHCWILPC/LMHC90837 (60 min)$120.96July 2026submitted
BCBSLALPC/LMHC90837 (60 min)$104.69July 2026submitted
BCBSLALPC/LMHC90791 (intake)$121.70July 2026submitted
Optum / UHCLALPC/LMHC90791 (intake)$131.15July 2026submitted
BCBSMILPC/LMHC90837 (60 min)$163.56July 2026submitted
BCBSMILPC/LMHC90847 (family, with client)$107.30July 2026submitted
BCBSORLPC/LMHC90837 (60 min)$150July 2026submitted
BCBSPALCSW90837 (60 min)$131.29July 2026submitted
BCBSIALPC/LMHC90837 (60 min)$180.80July 2026submitted
CignaCALMFT90837 (60 min)$74July 2026submitted
BCBSORLPC/LMHC90837 (60 min)$152.52July 2026submitted
MedicaidMTLCSW90837 (60 min)$107.40July 2026submitted
AetnaNCLPC/LMHC90837 (60 min)$139.18July 2026submitted
Providence Powered by Collective HealthORLPC/LMHC90837 (60 min)$160.58July 2026submitted
AetnaCALMFT90837 (60 min)$123.88June 2026Increased from 121.00 submitted
AnthemCALMFT90837 (60 min)$85June 2026They cut their rated this year submitted
Optum / UHCTXLPC/LMHC90837 (60 min)$117.57June 2026submitted
BCBSTXLPC/LMHC90837 (60 min)$104.75June 2026submitted
BCBSILLCSW90837 (60 min)$133.67June 2026submitted
Community Care AllianceMALCSW90837 (60 min)$120June 2026submitted
CignaAZ—90837 (60 min)$39May 2026lowest Cigna rate reported in the thread source
MedicaidCO—90837 (60 min)$130May 2026source
AetnaORLPC/LMHC90837 (60 min)$142.67May 2026submitted
BCBSILLCSW90837 (60 min)$131.48May 2026submitted
CignaILLCSW90837 (60 min)$100May 2026submitted
BCBSWYLCSW90837 (60 min)$210May 2026submitted
KaiserWALPC/LMHC90837 (60 min)$134.40May 2026submitted
Optum / UHCRILCSW90837 (60 min)$115May 2026submitted
AetnaNJPhD/PsyD90791 (intake)$172.58May 2026submitted
AetnaNJPhD/PsyD90837 (60 min)$148.12May 2026submitted
Massachusetts Behavioral Health Partnership (MBHP)MALCSW90837 (60 min)$125.69May 2026submitted
BCBSNCLPC/LMHC90837 (60 min)$139.47April 2026submitted
Optum / UHCNYLPC/LMHC90837 (60 min)$110April 2026submitted
DeanILLCSW90791 (intake)$201.52April 2026submitted
DeanILLCSW90837 (60 min)$194.14April 2026submitted
DeanILLCSW90834 (45 min)$118.01April 2026submitted
BCBSMALCSW90837 (60 min)$139.06April 2026Small decrease submitted
Harvard PilgrimMALCSW90837 (60 min)$140.55April 2026submitted
CarelonNYLPC/LMHC90834 (45 min)$67April 2026submitted
AetnaTXLPC/LMHC90837 (60 min)$112March 2026submitted
Optum / UHCORLPC/LMHC90837 (60 min)$190March 2026submitted
AetnaILLCSW90837 (60 min)$150March 2026submitted
BCBSNYLCSW90791 (intake)$116.02March 2026submitted
BCBSNYLCSW90837 (60 min)$102.50March 2026submitted
CarelonCALMFT90837 (60 min)$210March 2026Took significant negotiation and advocacy submitted
CignaFLLPC/LMHC90837 (60 min)$68February 2026No request for increase until 1 year of current rate. submitted
—MDLCSW90837 (60 min)$101February 2026submitted
CignaWALCSW90837 (60 min)$106February 2026submitted
Optum / UHCIALCSW90837 (60 min)$104.79February 2026submitted
MVPNYLCSW90791 (intake)$136.49February 2026submitted
MVPNYLCSW90837 (60 min)$115.09February 2026submitted
CignaMDLCSW90837 (60 min)$131February 2026Work evenings and weekends submitted
MedicaidMI—90837 (60 min)$81.28January 2026Meridian Medicaid, group; below state Medicaid minimum per poster source
BCBSMTLPC/LMHC90837 (60 min)$156.19January 2026submitted
BCBSNCLPC/LMHC90837 (60 min)$138January 2026submitted
CignaNCLPC/LMHC90837 (60 min)$62January 2026submitted
AetnaCALMFT90837 (60 min)$112.96January 2026submitted
MedicareINLCSW90837 (60 min)$120.84January 2026submitted
BCBSILLCSW90837 (60 min)$133.67January 2026submitted
BCBSTXLPC/LMHC90837 (60 min)$104.75January 2026Increased from 94.75 submitted
MedicaidCTLCSW90837 (60 min)$105January 2026submitted
BCBSILLMFT90837 (60 min)$133.67January 2026submitted
CignaWALPC/LMHC90837 (60 min)$108January 2026Applied for an increase and they gave me a $3 more (previous rate was $105) submitted
BCBSWALPC/LMHC90837 (60 min)$120.24January 2026submitted
AetnaNYLPC/LMHC90837 (60 min)$120January 2026submitted
MedicaidMELCPC/LPCC/LCMHC90837 (60 min)$108.64January 2026submitted
BCBSILLCSW90837 (60 min)$158.10January 2026submitted
BCBSMALCSW90791 (intake)$152.30January 2026submitted
BCBSMALCSW90837 (60 min)$139.06January 2026submitted
Optum / UHCFLLCSW90837 (60 min)$110.30January 2026submitted
BCBSKYLCPC/LPCC/LCMHC90837 (60 min)$91.23January 2026since 2023 submitted
BCBSTXLMFT90837 (60 min)$104.75January 2026submitted
BCBSLALCSW90837 (60 min)$104.69January 2026submitted
AetnaNCLPC/LMHC90837 (60 min)$138.61January 2026submitted
BCBSVA—90837 (60 min)$150December 2025Anthem, independent contract, masters level, rounded source
TricareVA—90837 (60 min)$74December 2025independent contract, masters level, rounded source
Optum / UHCWALCSW90837 (60 min)$159December 2025United/Optum, group practice, western WA; group Cigna $117 source
BCBSMDLCSW90837 (60 min)$104.33December 2025submitted
BCBSMDLCSW90837 (60 min)$106.60December 2025submitted
BCBSNYLPC/LMHC90837 (60 min)$97.94December 2025submitted
BCBSMDLCPC/LPCC/LCMHC90837 (60 min)$104.33December 2025$104.33 for PPO; $106.60 for HMO submitted
BCBSMDLCPC/LPCC/LCMHC90837 (60 min)$113.40December 2025Increase from 110.9 prior to December 2025 submitted
CarefirstVALPC/LMHC90837 (60 min)$113.47December 2025submitted
AetnaFLLCSW90837 (60 min)$102.94December 2025submitted
BCBSRILCSW90837 (60 min)$132.86December 2025For LICSW, not LCSW (RI has both distinctions) submitted
MedicaidSC—90837 (60 min)$117.43November 2025SC Medicaid published rate per poster source
Optum / UHC—LCSW—$121.33November 2025United; solo practice licensed in DC/MD/VA source
BCBS—LCSW—$101.91November 2025solo practice, DC/MD/VA source
Aetna—LCSW—$101.35November 2025solo practice, DC/MD/VA source
Cigna—LCSW—$108November 2025solo practice, DC/MD/VA source
Tricare—LCSW—$81.90November 2025solo practice, DC/MD/VA source
MedicaidCA—90837 (60 min)$175November 2025Alameda County Medi-Cal, 53-minute session source
MedicaidCA——$65November 2025Santa Cruz County Medi-Cal, secondhand report source
AetnaAZLPC/LMHC90837 (60 min)$103.31November 2025submitted
BCBSRILPC/LMHC90837 (60 min)$132.86November 2025submitted
MedicaidCA—90837 (60 min)$131.97October 2025Medi-Cal, most payors source
MedicaidCA—90834 (45 min)$90October 2025Medi-Cal source
MedicaidCA—90837 (60 min)$171October 2025one CA county's Medi-Cal rate source
MedicaidCA—90837 (60 min)$99.98October 2025Medi-Cal via Health Net source
AetnaAZPhD/PsyD90837 (60 min)$137.75October 2025decreased $2 on 2025-10-15; BCBS AZ $122.03 source
AmbetterNCLPC/LMHC90837 (60 min)$103October 2025submitted
AetnaVALCSW90837 (60 min)$101.35October 2025submitted
BCBSVALCSW90837 (60 min)$170.99October 2025submitted
BCBSVALCSW90837 (60 min)$113.40October 2025submitted
BCBSCTLPC/LMHC90837 (60 min)$116.82October 2025submitted
AetnaWALCSW90837 (60 min)$107October 2025submitted
AetnaTXLMFT90837 (60 min)$114.01October 2025submitted
BCBSORLCSW90837 (60 min)$149.33October 2025submitted
MedicaidNM—90837 (60 min)$220September 2025LMSW, group practice source
CignaNC—90837 (60 min)$103September 2025Evernorth first offer; poster reports negotiable to $115, then $130 before signing source
Optum / UHCMDPhD/PsyD90837 (60 min)$115.82September 2025United Behavioral Health/Optum, Baltimore area source
BCBSMAPhD/PsyD90834 (45 min)$135.19September 2025submitted
BCBSMALCSW90834 (45 min)$101.98September 2025submitted
BCBSTX—90837 (60 min)$93.88August 2025BCBS PPO and HMO, masters level; Medicare Advantage $124.99 source
BCBSRILCSW90837 (60 min)$128August 2025LICSW source
BCBSIA—90837 (60 min)$172.90August 2025masters level; 90791 $187.10, 90834 $116.70 source
Optum / UHCIA—90837 (60 min)$89.25August 2025UHC, masters level source
BCBSDCLCSW90837 (60 min)$109.97August 2025CareFirst; increased to $113.40 in December 2025 source
CignaDCLCSW90837 (60 min)$128August 2025LICSW; group and individual contracts pay the same source
AetnaOR—90837 (60 min)$151.74August 2025group contract, masters level; 90791 $164.15 source
KaiserOR—90837 (60 min)$167.09August 2025group contract; 90791 $171.98 source
MedicareOR—90837 (60 min)$154.29August 2025group contract; 90791 $166.91 source
MedicaidOR—90837 (60 min)$184.66August 2025OHP open-card base rate; CareOregon Tier 2 $203 source
AetnaCALMFT90837 (60 min)$112.96August 2025Southern CA, direct credentialing; Cigna offered $80, declined source
BCBSIDLPC/LMHC90837 (60 min)$187.40August 2025submitted
AetnaAZLPC/LMHC90837 (60 min)$103.31August 2025submitted
CignaCOLPC/LMHC90837 (60 min)$65August 2025submitted
MedicaidCOLPC/LMHC90837 (60 min)$113August 2025submitted
MedicaidORLPC/LMHC90837 (60 min)$184.66August 2025submitted
AetnaCAPhD/PsyD90837 (60 min)$157.04August 2025submitted
AetnaCAPhD/PsyD90834 (45 min)$120August 2025submitted
AetnaCAPhD/PsyD90791 (intake)$165August 2025submitted
BCBSCALCSW90837 (60 min)$133August 2025submitted
AetnaPALCSW90837 (60 min)$112.35August 2025submitted
Optum / UHCNCLPC/LMHC90837 (60 min)$104.79August 2025submitted
BCBSNJPhD/PsyD90837 (60 min)$164.28August 2025submitted
Optum / UHCCOLPC/LMHC90837 (60 min)$113August 2025submitted
CignaMOLCSW90837 (60 min)$68August 2025submitted
MedicaidLALPC/LMHC90837 (60 min)$88.10July 2025submitted
BCBSNEPhD/PsyD90837 (60 min)$284.19July 2025Increased from 277 last July submitted
BCBSNELMFT90837 (60 min)$184.73July 2025submitted
CignaMDLCPC/LPCC/LCMHC90837 (60 min)$128July 2025Bethesda area submitted
Optum / UHCDCPhD/PsyD90837 (60 min)$161.78July 2025submitted
CignaMTLCSW90837 (60 min)$68July 2025submitted
Optum / UHCIDLPC/LMHC90837 (60 min)$110June 2025No longer accept them/in network with them. submitted
BCBSILLCSW90791 (intake)$187.08June 2025submitted
BCBSILLCSW90834 (45 min)$107.81June 2025submitted
BCBSINPhD/PsyD90791 (intake)$227May 2025submitted
BCBSILPhD/PsyD90837 (60 min)$191May 2025submitted
MedicaidCALCSW90837 (60 min)$195May 2025submitted
Optum / UHCCTLCSW90837 (60 min)$132April 2025submitted
AetnaNJLPC/LMHC90837 (60 min)$127.86April 2025submitted
AetnaCALMFT90837 (60 min)$110.57March 2025submitted
Optum / UHCIALCSW90837 (60 min)$110February 2025Had received $150 as a single provider agreement os OON, then became part of the UHC network and receive $110 for 90837. submitted
AetnaCALMFT90837 (60 min)$109.62January 2025submitted
AmbetterTXLPC/LMHC90837 (60 min)$114.93January 2025submitted
BCBSCOLPC/LMHC90837 (60 min)$127January 2025submitted
CarelonCALCSW90837 (60 min)$133January 2025(Medi-cal) submitted
MedicaidCALCSW90837 (60 min)$133January 2025Add-on code for Telehealth t1014 ($0.24 per minute) submitted
QuartzILLCSW90791 (intake)$222.76January 2025submitted
AetnaLALCSW90837 (60 min)$106.13January 2025submitted
Optum / UHCNYLPC/LMHC90837 (60 min)$110.30January 2025submitted
BCBSOR—90837 (60 min)$137November 2024Reported as rising to about $148 on December 1, 2024. source
Optum / UHCOR—90837 (60 min)$146November 2024source
AetnaOR—90837 (60 min)$149November 2024source
MedicaidOR—90837 (60 min)$173November 2024Oregon Health Plan noncontracted rate, Portland metro. source
CignaOR—90837 (60 min)$100November 2024source
BCBSIL—90837 (60 min)$131November 2024Reported as the BCBS PPO rate, not renegotiated in several years. source
AetnaIL—90837 (60 min)$116November 2024source
Optum / UHCIL—90837 (60 min)$115November 2024Reported as UHC/UMR. source
CignaIL—90837 (60 min)$103November 2024source
MedicaidCO—90837 (60 min)$125November 2024Independently credentialed, in-network regions. source
Optum / UHC——90837 (60 min)$110.30October 2024Solo-contract rate cited for comparison against platform rates. Same commenter reported Optum pays Alma ~$151 for the identical session. source
CarelonCALMFT90837 (60 min)$120October 2024submitted
CarelonCALMFT90834 (45 min)$95October 2024submitted
BCBSAZLPC/LMHC90837 (60 min)$104.59August 2024Started at 95.88 and received three raises submitted
CignaAZLPC/LMHC90837 (60 min)$106August 2024Group contract rates. Was $59 for individual contract submitted
Optum / UHCAZLPC/LMHC90837 (60 min)$110.30August 2024submitted
CignaCALMFT90837 (60 min)$113August 2024Increased from $76 in 2023 or 2024 submitted
AetnaNYLCSW90837 (60 min)$120.95August 2024submitted
BCBSCALCSW90837 (60 min)$100August 2024submitted
AetnaGAPhD/PsyD90837 (60 min)$124August 2024submitted
BCBSWALCSW90837 (60 min)$120.25August 2024submitted
BCBSWALCSW90837 (60 min)$135.39August 2024submitted
KaiserWALCSW90837 (60 min)$126.35August 2024submitted
BCBSVALCSW90837 (60 min)$152.66August 2024submitted
BCBSRILCSW90837 (60 min)$134August 2024submitted
Optum / UHCILLCSW90837 (60 min)$118.75August 2024submitted
CignaCTLMFT90837 (60 min)$101August 2024submitted
Optum / UHCTNLPC/LMHC90837 (60 min)$110.30July 2024submitted
AetnaTNLPC/LMHC90837 (60 min)$99July 2024submitted
BCBSNJLPC/LMHC90834 (45 min)$91.54July 2024submitted
BCBSNJLPC/LMHC90837 (60 min)$137.26July 2024submitted
BCBSNJLPC/LMHC90846 (family, no client)$110.54July 2024submitted
CignaMSLCSW90837 (60 min)$95June 2024submitted
BCBSMSLCSW90837 (60 min)$180June 2024submitted
Optum / UHCMSLCSW90837 (60 min)$104.79June 2024submitted
HealthfirstNYLCSW90791 (intake)$113June 2024submitted
HealthfirstNYLCSW90834 (45 min)$75June 2024submitted
HealthfirstNYLCSW90837 (60 min)$112June 2024was "strongly advised" to never use this code submitted
HealthfirstNYLCSW90846 (family, no client)$91June 2024submitted
HealthfirstNYLCSW90847 (family, with client)$94June 2024submitted
HealthfirstNYLCSWOther$56June 202490832 CPT code; particularly relevant with the population of clients who have this insurance submitted
HealthfirstNYLCSWOther$22June 2024CPT Code: 90853 submitted
CignaGALCSW90837 (60 min)$110June 2024submitted
AetnaMOLCSW90837 (60 min)$110.30June 2024submitted
Health PartnersMNLMFT90847 (family, with client)$107June 2024submitted
BCBSNVLMFT90837 (60 min)$142.83May 2024submitted
MedicaidNVLMFT90837 (60 min)$108.10May 2024submitted
AetnaCALMFT90837 (60 min)$112April 2024They pay very quickly submitted
BCBSARLPC/LMHC90837 (60 min)$166.19April 2024submitted
BCBSCAPhD/PsyD90837 (60 min)$148.46January 2024submitted
KaiserWALPC/LMHC90837 (60 min)$116January 2024submitted
Optum / UHCPALPC/LMHC90837 (60 min)$115.82January 2024submitted
Health PartnersMNLMFT90846 (family, no client)$148.87January 2024submitted
BCBSOKLCSW90837 (60 min)$105.33November 2023submitted
AetnaNJLPC/LMHC90791 (intake)$152.33November 2023submitted
AetnaNJLPC/LMHC90834 (45 min)$86.92November 2023submitted
AetnaNJLPC/LMHC90837 (60 min)$127.86November 2023submitted
Optum / UHCCALCSW90837 (60 min)$115.82August 2023submitted
BCBSAZPhD/PsyD90837 (60 min)$122August 2023submitted
Optum / UHCAZPhD/PsyD90837 (60 min)$147August 2023submitted
KaiserCALCSW90837 (60 min)$90August 2023submitted
CignaCALMFT90837 (60 min)$141August 2023submitted
EAPCALMFTOther$94August 2023submitted
RegenceWALPC/LMHC90837 (60 min)$120.24July 2023submitted
PremeraWALPC/LMHC90837 (60 min)$135July 2023submitted
Blue Care NetworkMILPC/LMHC90837 (60 min)$137.06July 2023submitted
Optum / UHCNJLPC/LMHC90791 (intake)$137.70July 2023submitted
Optum / UHCNJLPC/LMHC90834 (45 min)$78.73July 2023submitted
Optum / UHCNJLPC/LMHC90837 (60 min)$115.82July 2023submitted
HealthfirstNYLCSW90837 (60 min)$97June 2023I accidentally entered the wrong number in my previous submission - I've been "strongly advised" to not use 90837 submitted
AetnaCTLCSW90837 (60 min)$122May 2023submitted
AetnaMDLCSW90837 (60 min)$96.65May 2023submitted
CignaVTLPC/LMHC90837 (60 min)$71May 2023Raised from 69 to 71 in August 2024 submitted
Optum / UHCNCLPC/LMHC90837 (60 min)$113.57April 2023submitted
BCBSORLPC/LMHC90837 (60 min)$149.33March 2023submitted
BCBSAZLPC/LMHC90837 (60 min)$82.50March 2023submitted
Optum / UHCAZLPC/LMHC90837 (60 min)$110.30March 2023submitted
Optum / UHCAZLPC/LMHC90847 (family, with client)$91.77March 2023submitted
AetnaNYLPC/LMHC90837 (60 min)$165.76March 2023submitted
—NVLPC/LMHC90837 (60 min)$108.15January 2023submitted
AetnaNYLCSW90791 (intake)$124.32January 2023submitted
AetnaNYLCSW90834 (45 min)$95.06January 2023submitted
AetnaNYLCSW90837 (60 min)$120.66January 2023submitted
AetnaNYLCSW90846 (family, no client)$99.19January 2023submitted
Optum / UHCAZLPC/LMHC90837 (60 min)$110.30December 2022submitted
BCBSNJPhD/PsyD90837 (60 min)$164.71August 2022submitted
AetnaCOLPC/LMHC90837 (60 min)$117August 2022submitted
Optum / UHCCTLMFT90837 (60 min)$132.09August 2022submitted
Optum / UHCCALMFT90837 (60 min)$115.82June 2022submitted
Optum / UHCWILCSW90837 (60 min)$121.10June 2022submitted
Optum / UHCOHLCSW90837 (60 min)$110June 2022submitted
CignaCTLCSW90837 (60 min)$111May 2022submitted
CignaMDLCSW90837 (60 min)$100May 2022submitted
AetnaCALCSW90837 (60 min)$108August 2021submitted
BCBSTNLPC/LMHC90837 (60 min)$136July 2021submitted
CignaAZPhD/PsyD90837 (60 min)$111July 2021submitted
PacificSourceORLMFT90847 (family, with client)$143July 2021Going to be removing their plan from the aca marketplace in 2027 submitted
BCBSWILPC/LMHC90837 (60 min)$131.98May 2021submitted
Optum / UHCWILPC/LMHC90837 (60 min)$120.98May 2021submitted
Optum / UHCCALMFT90837 (60 min)$121.36August 2020submitted
—CALMFT90837 (60 min)$121.33August 2020submitted
CarelonNYLCSW90837 (60 min)$85.26August 2020submitted
CignaCOLPC/LMHC90837 (60 min)$121August 2020submitted
MedicaidCOLPC/LMHC90837 (60 min)$125August 2020submitted
AetnaCOLPC/LMHC90837 (60 min)$121June 2020submitted
—CALMFT90837 (60 min)$121.33April 2020I requested a raise this year and they shut me down and said they would evaluate again in Feb 2026 submitted
BCBSMDLPC/LMHC90837 (60 min)$103August 2019submitted
BCBSMSLPC/LMHC90837 (60 min)$189May 2018submitted
LyraAZLPC/LMHC90837 (60 min)$150January 2018submitted
PacificSourceORLMFT90837 (60 min)$171January 2018submitted
CarelonCALMFT90837 (60 min)$95June 2016submitted
BCBSCALMFT90837 (60 min)$94.50July 2014submitted
BCBSWILPC/LMHC90837 (60 min)$131.96October 2013submitted
Optum / UHCWILPC/LMHC90837 (60 min)$120.96September 2013submitted
CarelonNYLPC/LMHC90837 (60 min)$67—Unknown start date submitted

Get an email when Direct contracts rates or terms change.

One report a month, one more if Direct contracts cuts. Never displayed, sold, or shared.

Recent changes and reports: Budget for your own billing work or service, documentation, eligibility checks, denials and recoupments. A clearinghouse does not resolve every claim issue. The going-direct guide provides a sequence without promising a fixed completion time, cost or income gain.

Questions therapists ask about Direct contracts

How much does Direct contracts pay for a 90837?

Therapists reported 290 Direct contracts rates for CPT 90837 between September 2013 and September 2026. The median was $120, with a range of $39 to $284.

Does Direct contracts pay less than billing BCBS directly?

Reported BCBS medians for a 90837 were $134 through Direct contracts (86 reports) and $134 under direct contracts (86 reports). The two samples come from different states, so the comparison is indicative rather than exact.

When does Direct contracts pay?

Payment timing varies with the payer, contract, claim status and electronic billing setup. Confirm the applicable process and maintain a plan for delayed or disputed claims.

What should I watch for with Direct contracts?

Budget for your own billing work or service, documentation, eligibility checks, denials and recoupments. A clearinghouse does not resolve every claim issue. The going-direct guide provides a sequence without promising a fixed completion time, cost or income gain.

Sources for payment and account terms

Add your Direct contracts rate See these rows in the full table

All figures are community reports with sources linked; self-reported and unverified. Updated as new reports clear moderation.