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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 $118, range $39–$284, middle half $107–$138, about 95% of the 2026 national Medicare reference for a master's-level clinician (457 reports · 567 across all CPTs · updated 2026-11-12)

Direct contracts 90837 by payer

PayerMedianRangeReports
BCBS$133$65–$284120
Aetna$114$65–$25182
Optum / UHC$116$89–$19069
Cigna$102$39–$27066
Medicaid$121$47–$22036
Kaiser$125$90–$16712
Medicare$129$77–$1638
Carelon$90$65–$2108
Premera$135$135–$1354
PacificSource$171$171–$2293
Harvard Pilgrim$141$141–$1413
Ambetter$115$103–$1373
Healthfirst$112$97–$1123
Moda$182$180–$1832
EAP$138$100–$1752
Highmark$131$131–$1312
Curative$116$108–$1242
Regence$111$101–$1202
MVP$108$100–$1152
Tricare$99$74–$1242
Dean$194single report1
Medical Benefits$180single report1
Providence$161single report1
Providence Powered by Collective Health$161single report1
Anthem Blue Cross and Blue Shield of VA$153single report1
Lyra$150single report1
Sentara$149single report1
Fallon Health$141single report1
Blue Care Network$137single report1
CHAMPVA$134single report1
The Alliance$131single report1
Reflect$130single report1
First choice$126single report1
Massachusetts Behavioral Health Partnership (MBHP)$126single report1
University Health Alliance$123single report1
Community Care Alliance$120single report1
Carelon Commercial$115single report1
Medical Mutual$114single report1
Tufts Health Public Plan$114single report1
Carefirst$113single report1
UPMC$106single report1
Anthem$85single report1

All 567 Direct contracts reports

PayerStLicenseCPTRateEffectiveNote / source
CignaCTLPC/LMHC90837 (60 min)$74November 2026submitted
AetnaCTLPC/LMHC90837 (60 min)$122.36November 2026submitted
Optum / UHCVTLPC/LMHC90837 (60 min)$140.55November 2026submitted
AetnaRILCSW90837 (60 min)$126.83November 2026submitted
BCBSCTLCSW90791 (intake)$132.30November 2026submitted
MedicaidCTLCSW90791 (intake)$111.41November 2026submitted
BCBSILPhD/PsyD90837 (60 min)$164November 2026submitted
AetnaNCLCPC/LPCC/LCMHC90837 (60 min)$138November 2026submitted
CignaNCLCPC/LPCC/LCMHC90791 (intake)$60November 2026submitted
Harvard PilgrimMALPC/LMHC90837 (60 min)$140.55November 2026submitted
KaiserWALPC/LMHC90837 (60 min)$145.92November 2026submitted
AetnaMOLPC/LMHC90837 (60 min)$65November 2026New contract effective 11/29/26. This is for an emdr-c/ nbcc lpc, and a cadc! Shame submitted
PacificSourceORPhD/PsyD90837 (60 min)$229November 2026submitted
Cigna——90837 (60 min)$68November 2026Rate in a Cigna/Evernorth contract offer, per the poster; state and license not given. source
Cigna—LPC/LMHC90837 (60 min)$112November 2026Renegotiated; a $5 raise, per commenter. source
Cigna——90837 (60 min)$62November 2026Contract offer received, per commenter; not accepted at time of comment. source
Cigna——90834 (45 min)$57November 2026Contract offer received, per commenter; not accepted at time of comment. source
Cigna——90791 (intake)$60November 2026Contract offer received, per commenter; not accepted at time of comment. source
Cigna——90837 (60 min)$107November 2026After years of small increases, per commenter. source
Cigna—PhD/PsyD90837 (60 min)$79November 2026Psychologist; same rate reported for EAP, commercial and Medicare Advantage. source
Cigna—PhD/PsyD90834 (45 min)$72November 2026Psychologist; same rate reported for EAP, commercial and Medicare Advantage. source
PremeraWALMFT90837 (60 min)$135.39October 2026submitted
BCBSWALPC/LMHC90837 (60 min)$152.52October 2026Regence of OR (Clark County only) submitted
CignaVTLCSW90837 (60 min)$60October 2026Opening offer for individual credential. Unwilling to negotiate. submitted
AetnaWALPC/LMHC90837 (60 min)$107.01October 2026submitted
AetnaWALPC/LMHC90837 (60 min)$92October 2026submitted
CignaWALCSW90837 (60 min)$99October 2026submitted
MedicaidHILPC/LMHC90837 (60 min)$118.70October 2026submitted
University Health AllianceHILPC/LMHC90837 (60 min)$122.53October 2026122.53 + 12 copay submitted
CignaNJLCSW90837 (60 min)$76October 2026submitted
BCBSTXPhD/PsyD90837 (60 min)$127.81October 2026submitted
AetnaNHLCSW90837 (60 min)$110October 2026submitted
Optum / UHCTXLMFT90837 (60 min)$110.30October 2026Master's level, sole practitioner submitted
AetnaVALPC/LMHC90791 (intake)$90.75October 2026submitted
AetnaVALPC/LMHC90834 (45 min)$72.60October 2026submitted
AetnaVALPC/LMHC90837 (60 min)$83.49October 2026submitted
Optum / UHCNYLCSW90837 (60 min)$113October 2026submitted
Optum / UHCPALCSW90837 (60 min)$110.30October 2026submitted
CignaPALCSW90837 (60 min)$66October 2026submitted
Medical BenefitsTNLPC/LMHC90837 (60 min)$180October 2026submitted
CignaWALPC/LMHC90837 (60 min)$141October 2026submitted
AetnaWALPC/LMHC90837 (60 min)$103October 2026submitted
AmbetterWALPC/LMHC90837 (60 min)$136.72October 2026One of my best paid insurance panels submitted
AetnaOHLCPC/LPCC/LCMHC90837 (60 min)$111.92October 2026submitted
BCBSOHLCPC/LPCC/LCMHC90837 (60 min)$92.74October 2026Sometimes is reimburses at $92.75 submitted
CignaOHLCPC/LPCC/LCMHC90837 (60 min)$70October 2026Supposedly the renegotiate annually, but their renegotiations suck submitted
Optum / UHCOHLCPC/LPCC/LCMHC90837 (60 min)$110.30October 2026submitted
Medical MutualOHLCPC/LPCC/LCMHC90837 (60 min)$114.47October 2026submitted
BCBSNJLMFT90837 (60 min)$137.50October 2026submitted
BCBSARPhD/PsyD90791 (intake)$211.18October 2026submitted
BCBSARPhD/PsyD90837 (60 min)$199.43October 2026submitted
CignaPALCSW90837 (60 min)$200October 2026submitted
BCBSNMLCPC/LPCC/LCMHC90837 (60 min)$175October 2026submitted
The AllianceWILPC/LMHC90837 (60 min)$131October 2026submitted
BCBSTXLCSW90837 (60 min)$104.75October 2026submitted
CignaNJLCSW90837 (60 min)$112October 2026submitted
MedicareNJLCSW90837 (60 min)$133.89October 2026submitted
AetnaORLPC/LMHC90837 (60 min)$142October 2026submitted
ModaORLPC/LMHC90837 (60 min)$180October 2026submitted
PacificSourceORLPC/LMHC90837 (60 min)$171October 2026submitted
BCBSMDLCSW90837 (60 min)$112.22October 2026submitted
Optum / UHCMDLCSW90837 (60 min)$121.33October 2026submitted
CignaMDLCSW90837 (60 min)$114.33October 2026submitted
BCBSRILPC/LMHC90837 (60 min)$132.86October 2026submitted
Optum / UHCRILPC/LMHC90837 (60 min)$115.82October 2026submitted
CignaPALPC/LMHC90837 (60 min)$65October 2026submitted
BCBSPALPC/LMHC90837 (60 min)$131October 2026submitted
EAPWALPC/LMHC90837 (60 min)$175October 2026Modern Health EAP submitted
BCBSHILMFT90837 (60 min)$123October 2026submitted
AetnaAZLMFT90837 (60 min)$103October 2026submitted
AetnaNYLPC/LMHC90837 (60 min)$119October 2026submitted
Optum / UHCNYLPC/LMHC90837 (60 min)$120October 2026submitted
BCBSVALPC/LMHC90837 (60 min)$152.88October 2026Solo practice Eastern region Hampton Roads submitted
HighmarkPALCSW90837 (60 min)$131.29October 2026submitted
AetnaPALCSW90837 (60 min)$112.35October 2026submitted
CignaPALCSW90837 (60 min)$105.84October 2026submitted
BCBSMAPhD/PsyD90834 (45 min)$135.41October 2026submitted
BCBSMAPhD/PsyD90837 (60 min)$186October 2026submitted
Optum / UHCTXLCSW90837 (60 min)$110.30October 2026submitted
AetnaTXLCSW90837 (60 min)$112October 2026submitted
Anthem Blue Cross and Blue Shield of VAVALPC/LMHC90837 (60 min)$152.66October 2026submitted
KaiserCALCSW90837 (60 min)$123.27October 2026submitted
BCBSKYLCSW90837 (60 min)$91.23October 2026submitted
BCBSWILPC/LMHC90837 (60 min)$131.96October 2026submitted
Optum / UHCWILPC/LMHC90837 (60 min)$120.96October 2026submitted
MedicaidWILPC/LMHC90837 (60 min)$113.43October 2026submitted
AetnaWILPC/LMHC90837 (60 min)$147.91October 2026submitted
MedicaidCALMFT90837 (60 min)$138.42October 2026submitted
MedicareWAPhD/PsyD90837 (60 min)$150October 2026submitted
CurativeFLLMFT90837 (60 min)$108October 2026They are slowly reducing rates as more providers sign up in FL submitted
CignaNYLPC/LMHC90837 (60 min)$117October 2026Actual license is LCAT submitted
BCBSCTLCSW90837 (60 min)$129.57October 2026Increase from 116.82 submitted
CignaMALPC/LMHC90837 (60 min)$65October 2026submitted
BCBSCALMFT90837 (60 min)$94.50October 2026submitted
BCBSCALMFT90847 (family, with client)$91.80October 2026submitted
CignaPALPC/LMHC90837 (60 min)$62October 2026submitted
BCBSVALCSW90837 (60 min)$152October 2026submitted
SentaraVALCSW90837 (60 min)$149October 2026submitted
AetnaNJLPC/LMHC90837 (60 min)$120.10October 2026submitted
MedicareNJLCSW90837 (60 min)$106October 2026submitted
AetnaNYPhD/PsyD90837 (60 min)$167October 2026submitted
AetnaFLLCSW90837 (60 min)$102.94October 2026submitted
BCBSFLLCSW90837 (60 min)$115.91October 2026submitted
CignaFLLCSW90837 (60 min)$108October 2026submitted
Optum / UHCFLLCSW90837 (60 min)$110.30October 2026submitted
MedicaidFLLCSW90837 (60 min)$129.89October 2026submitted
AetnaFLLPC/LMHC90837 (60 min)$84October 2026submitted
CarelonILLCSW90837 (60 min)$65October 2026I rejected their offer submitted
CarelonILLCSW90834 (45 min)$65.01October 2026submitted
CarelonILLCSW90832 (30 min)$35October 2026I rejected this offer submitted
CurativeILLCSW90837 (60 min)$124.06October 2026submitted
Optum / UHCCALCSW90837 (60 min)$115.82October 2026Newly licensed and new contract submitted
MedicaidCO—90837 (60 min)$131October 2026Colorado Medicaid rate, per commenter. 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
KaiserCALCSW90837 (60 min)$108September 2026submitted
TricareTXLPC/LMHC90837 (60 min)$123.67September 2026submitted
CignaALLPC/LMHC90837 (60 min)$79September 2026submitted
UPMCPALCSW90837 (60 min)$105.84September 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
CarelonNYLPC/LMHC90837 (60 min)$67August 2026Did not accept contracted rate. Too low to make private practice sustainable. Sent email detailing the problematic nature of such low rates. submitted
BCBSALLPC/LMHC90837 (60 min)$136.08August 2026submitted
CignaALLPC/LMHC90791 (intake)$75August 2026submitted
BCBSALLPC/LMHC90791 (intake)$136.31August 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
BCBSORLCSW90791 (intake)$242.47July 2026submitted
BCBSORLCSW90837 (60 min)$152.52July 2026submitted
MedicaidWALCSW90837 (60 min)$122.51July 2026submitted
BCBSIALPC/LMHC90791 (intake)$187.70July 2026submitted
HighmarkPALCSW90837 (60 min)$131.29July 2026submitted
AetnaWILPC/LMHC90837 (60 min)$110July 2026Proposed group contract submitted
BCBSPALPC/LMHC90837 (60 min)$131.29July 2026submitted
BCBSIALPC/LMHC90834 (45 min)$123.30July 2026Rates went up for 90834 slightly in July 2026 submitted
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
BCBSKSLMFT90837 (60 min)$96.50June 2026submitted
CignaMDLCPC/LPCC/LCMHC90837 (60 min)$104June 2026submitted
CignaDCLCSW90837 (60 min)$112June 2026up from $108 submitted
AetnaNYLCSW90837 (60 min)$120.67June 2026submitted
AetnaNYLCSW90847 (family, with client)$99.19June 2026submitted
AetnaNYLCSW90834 (45 min)$95.06June 2026submitted
AetnaNYLCSW90832 (30 min)$66.67June 2026submitted
BCBSMNLCPC/LPCC/LCMHC90837 (60 min)$182.53June 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
Optum / UHCMOLCSW90837 (60 min)$110.30May 2026submitted
Optum / UHCMOLCSW90834 (45 min)$74.98May 2026submitted
CignaORPhD/PsyD90837 (60 min)$135May 2026submitted
BCBSORPhD/PsyD90837 (60 min)$165May 2026submitted
ModaORPhD/PsyD90837 (60 min)$183May 2026submitted
Optum / UHCTXLCSW90837 (60 min)$110.30May 2026submitted
Optum / UHCTXLCSW90834 (45 min)$74.98May 2026submitted
Optum / UHCTXLCSW90791 (intake)$131.15May 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
AetnaORLCSW90837 (60 min)$142.26April 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
BCBSTNLPC/LMHC90791 (intake)$136.40March 2026submitted
BCBSTNLPC/LMHC90791 (intake)$161March 2026submitted
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
CignaPALPC/LMHC90837 (60 min)$62January 2026submitted
Optum / UHCPALPC/LMHC90837 (60 min)$110.30January 2026submitted
AetnaPALPC/LMHC90837 (60 min)$115January 2026submitted
BCBSCALCSW90834 (45 min)$91.12January 202680% of National CMS rate, even though the rate for California is much higher submitted
MedicaidVTLCSW90837 (60 min)$107.22January 2026submitted
BCBSVTLPC/LMHC90837 (60 min)$109.88January 2026goes up $2/year submitted
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
PremeraWALPC/LMHC90837 (60 min)$135December 2025submitted
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
BCBSOHLCSW90837 (60 min)$65October 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 / UHCWALCSW90791 (intake)$180.89July 2025submitted
Optum / UHCWALCSW90837 (60 min)$159.45July 2025submitted
Optum / UHCMDLCPC/LPCC/LCMHC90837 (60 min)$110.30July 2025submitted
AetnaMNLCPC/LPCC/LCMHC90837 (60 min)$157.56July 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
BCBSWAPhD/PsyD90837 (60 min)$160April 2025submitted
HealthfirstNYLCSW90834 (45 min)$75April 2025submitted
AetnaCALMFT90837 (60 min)$110.57March 2025submitted
CignaVTLCSW90837 (60 min)$82March 2025Yearly raise request - will increase by 1$ submitted
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
KaiserWALPC/LMHC90837 (60 min)$116September 2024submitted
BCBSFLPre-licensed90837 (60 min)$75September 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
CignaWILPC/LMHC90837 (60 min)$64August 2024This is after 1st rate increase request after 10+ year contract submitted
Optum / UHCMDLCSW90837 (60 min)$115.59August 2024submitted
Optum / UHCDCLCSW90837 (60 min)$115.82August 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
RegenceWALPC/LMHC90837 (60 min)$100.91July 2024Heard they may have lowered it in 2026? submitted
BCBSWALPC/LMHC90837 (60 min)$121July 2024Some report an Increase from this amount? submitted
First choiceWALPC/LMHC90837 (60 min)$126July 2024submitted
BCBSNJLPC/LMHC90791 (intake)$141.41July 2024submitted
BCBSNJLPC/LMHC90847 (family, with client)$115.02July 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
HealthfirstNYLCSW90832 (30 min)$56June 202490832 CPT code; particularly relevant with the population of clients who have this insurance submitted
HealthfirstNYLCSW90853 (group)$22June 2024submitted
CignaGALCSW90837 (60 min)$110June 2024submitted
AetnaMOLCSW90837 (60 min)$110.30June 2024submitted
Health PartnersMNLMFT90847 (family, with client)$107June 2024submitted
Optum / UHCWALPC/LMHC90837 (60 min)$140June 2024submitted
KaiserWALPC/LMHC90837 (60 min)$116June 2024submitted
BCBSNJLPC/LMHC90837 (60 min)$134.31June 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
Optum / UHCNHLCSW90837 (60 min)$125.80April 2024submitted
MedicareNHLCSW90837 (60 min)$124.48April 2024submitted
Optum / UHCWILPC/LMHC90837 (60 min)$120April 2024submitted
AetnaMDLCSW90837 (60 min)$101.35February 2024submitted
AetnaDCLCSW90837 (60 min)$101.35February 2024submitted
AetnaDCLCSW90791 (intake)$120.82February 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
Optum / UHCIALPC/LMHC90837 (60 min)$109.25January 2024submitted
AetnaCAPhD/PsyD90791 (intake)$264January 2024submitted
AetnaCAPhD/PsyD90832 (30 min)$126.14January 2024submitted
AetnaCAPhD/PsyD90834 (45 min)$176January 2024submitted
AetnaCAPhD/PsyD90837 (60 min)$251.26January 2024submitted
AetnaCAPhD/PsyD90839 (crisis, first 60 min)$264January 2024submitted
AetnaCAPhD/PsyD90846 (family, no client)$208January 2024submitted
CignaCAPhD/PsyD90791 (intake)$286.34January 2024submitted
CignaCAPhD/PsyD90832 (30 min)$80.34January 2024submitted
CignaCAPhD/PsyD90834 (45 min)$231.75January 2024submitted
CignaCAPhD/PsyD90837 (60 min)$269.86January 2024submitted
CignaCAPhD/PsyD90839 (crisis, first 60 min)$206January 2024submitted
CignaCAPhD/PsyD90847 (family, with client)$269.86January 2024submitted
CignaCA—90837 (60 min)$113January 2024Negotiated up from $75, per commenter; year approximate. source
AetnaWALPC/LMHC90837 (60 min)$107.01December 2023I left panel it was so low, rejoined and given same rate. They are my lowest payer submitted
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
AetnaNJLPC/LMHC90846 (family, no client)$82.11November 2023submitted
AetnaNJLPC/LMHC90847 (family, with client)$85.62November 2023submitted
AetnaWALPC/LMHC90837 (60 min)$110October 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
Optum / UHCNJLPC/LMHC90846 (family, no client)$92.62July 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
KaiserVALMFT90837 (60 min)$150June 2023submitted
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
BCBSDCLPC/LMHC90837 (60 min)$113April 2023submitted
Optum / UHCDCLPC/LMHC90837 (60 min)$120April 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
CignaDCLPC/LMHC90837 (60 min)$108March 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
MedicaidNHLCSW90837 (60 min)$118.38January 2023submitted
MVPVTLCSW90837 (60 min)$100January 2023submitted
BCBSWALPC/LMHC90837 (60 min)$112January 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
ReflectWALPC/LMHC90837 (60 min)$130July 2022Individual: $130/Day, $150/5pm, Couples: $155/Day, $175/5pm Evening. $30 Month submitted
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
CignaNYLPC/LMHC90834 (45 min)$74June 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
AetnaMOLPC/LMHC90837 (60 min)$114February 2017Cannot figure out how to get a rate increase submitted
CarelonCALMFT90837 (60 min)$95June 2016submitted
CignaORLPC/LMHC90837 (60 min)$129January 2016No increase in rates since joining network. submitted
BCBSCALMFT90837 (60 min)$94.50July 2014submitted
BCBSWILPC/LMHC90837 (60 min)$131.96October 2013submitted
Optum / UHCWILPC/LMHC90837 (60 min)$120.96September 2013submitted
MedicaidTNLPC/LMHC90837 (60 min)$46.90January 2008United declines rate increase when ask. Never increased since contracted in 2006 submitted
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 457 Direct contracts rates for CPT 90837 between January 2008 and November 2026. The median was $118, with a range of $39 to $284.

Does Direct contracts pay less than billing BCBS directly?

Reported BCBS medians for a 90837 were $133 through Direct contracts (120 reports) and $133 under direct contracts (120 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.