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What Headway pays therapists

Headway supports insurance billing through its group arrangements. The reported session payment is the clinician payout; a billed charge alone cannot establish Headway’s collections or retained share. Compare the actual rate schedule and account terms for the relevant payer, plan and state.

Reported 90837: median $119, range $81–$200, middle half $98–$129, about 95% of the 2026 national Medicare reference for a master's-level clinician (109 reports · 159 across all CPTs · updated 2026-09-27)

Headway 90837 by payer

PayerMedianRangeReports
BCBS$110$81–$15236
Aetna$130$115–$19634
Cigna$92$88–$10216
Optum / UHC$120$110–$12513
Independence Blue Cross$95$95–$952
Medicaid$200single report1
Premera$140single report1
Kaiser$131single report1
Harvard Pilgrim$127single report1
Quest Behavioral Health$125single report1
Carelon through Kaiser$115single report1
Oscar$112single report1
Carelon$93single report1

All 159 Headway reports

PayerStLicenseCPTRateEffectiveNote / source
BCBSPALCSW90837 (60 min)$95September 2026Independence Blue Cross - Virtual Network submitted
BCBSPALCSW90837 (60 min)$100September 2026Highmark BCBS submitted
AetnaPALCSW90837 (60 min)$115September 2026Employer plans only, no individual/marketplace plans submitted
BCBSWILMFT90837 (60 min)$119September 2026submitted
BCBSCOLCSW90837 (60 min)$98September 2026submitted
CignaGALCSW90837 (60 min)$89September 2026submitted
AetnaKSLCSW90837 (60 min)$122August 2026submitted
BCBSKSLCSW90837 (60 min)$117August 2026submitted
AetnaMDLCSW90837 (60 min)$121.74August 2026submitted
BCBSMDLCSW90837 (60 min)$119.07August 2026submitted
CignaMDLCSW90837 (60 min)$89August 2026submitted
KaiserMDLCSW90837 (60 min)$130.96August 2026submitted
Optum / UHCMDLCSW90837 (60 min)$117.73August 2026submitted
BCBSORLCSW90837 (60 min)$120August 2026submitted
AetnaGALPC/LMHC90791 (intake)$110August 2026submitted
MedicaidORLCSW90837 (60 min)$200August 2026submitted
CignaGALCSW90837 (60 min)$89August 2026submitted
BCBSNYLPC/LMHC90791 (intake)$125August 2026submitted
BCBSNYLPC/LMHC90837 (60 min)$110August 2026submitted
BCBSNYLPC/LMHC90834 (45 min)$83August 2026submitted
BCBSNYLPC/LMHC90847 (family, with client)$98August 2026submitted
BCBSNYLPC/LMHC90846 (family, no client)$95August 2026submitted
AetnaMOLPC/LMHC90837 (60 min)$130August 2026submitted
CignaMOLPC/LMHC90837 (60 min)$95August 2026submitted
AetnaOKLPC/LMHC90791 (intake)$124August 2026submitted
AetnaOKLPC/LMHC90834 (45 min)$95August 2026submitted
AetnaOKLPC/LMHC90837 (60 min)$122August 2026submitted
BCBSOKLPC/LMHC90791 (intake)$96.25August 2026submitted
BCBSOKLPC/LMHC90834 (45 min)$55.13August 2026submitted
BCBSOKLPC/LMHC90837 (60 min)$81.26August 2026submitted
BCBSOKLPC/LMHC90791 (intake)$111.99August 2026submitted
BCBSOKLPC/LMHC90834 (45 min)$64.15August 2026submitted
BCBSMDLCPC/LPCC/LCMHC90837 (60 min)$119.07August 2026submitted
CignaMDLCPC/LPCC/LCMHC90837 (60 min)$89August 2026submitted
Optum / UHCNYLCSW90837 (60 min)$121.80August 2026submitted
AetnaINLCSW90837 (60 min)$120August 2026submitted
BCBSINLCSW90837 (60 min)$110August 2026submitted
CignaINLCSW90837 (60 min)$90August 2026submitted
CignaOHLCSW90837 (60 min)$89August 2026submitted
AetnaTXLCSW90837 (60 min)$129August 2026submitted
CignaTXLCSW90837 (60 min)$95August 2026submitted
AetnaAZLPC/LMHC90837 (60 min)$130June 2026submitted
AetnaCALCSW90837 (60 min)$130June 2026submitted
AetnaCOLCSW90837 (60 min)$130June 2026submitted
BCBSNJLPC/LMHC90837 (60 min)$115June 2026submitted
AetnaNJLPC/LMHC90791 (intake)$132June 2026submitted
CignaNJLPC/LMHC90837 (60 min)$94.99June 2026submitted
AetnaMAPhD/PsyD90837 (60 min)$185June 2026submitted
AetnaCO—90837 (60 min)$121.74May 2026most other plans pay $95-98 for 90837 via Headway in CO per poster source
AetnaCO—90834 (45 min)$95May 2026source
Providence Health PlanCALCSW90834 (45 min)$91.69May 2026submitted
AetnaNYPhD/PsyD90837 (60 min)$185January 2026NYC, virtual only source
BCBSMDLCSW90837 (60 min)$109January 2026Down from 115 in 2025 submitted
BCBSGALPC/LMHC90837 (60 min)$93January 2026submitted
BCBSGALPC/LMHC90791 (intake)$113January 2026submitted
BCBSGALPC/LMHC90834 (45 min)$61January 2026submitted
AetnaGALPC/LMHC90791 (intake)$124January 2026submitted
AetnaGALPC/LMHC90837 (60 min)$121January 2026submitted
CignaGALPC/LMHC90834 (45 min)$77January 2026submitted
CignaGALPC/LMHC90791 (intake)$111January 2026submitted
CignaGALPC/LMHC90837 (60 min)$102January 2026submitted
EAPGALPC/LMHCOther$85January 202699404 CPT Code submitted
EAPGALPC/LMHCOther$55January 202699404 CPT Code submitted
AetnaGALPC/LMHC90846 (family, no client)$82.99January 2026submitted
AetnaGALPC/LMHC90847 (family, with client)$101.77January 2026submitted
BCBSGALPC/LMHC90846 (family, no client)$59January 2026submitted
CarelonGALPC/LMHC90846 (family, no client)$60.22January 2026submitted
CarelonGALPC/LMHC90847 (family, with client)$63.09January 2026submitted
Horizon BCBS NJGALPC/LMHC90791 (intake)$115.72January 2026submitted
Horizon BCBS NJGALPC/LMHC90834 (45 min)$74January 2026submitted
Horizon BCBS NJGALPC/LMHC90847 (family, with client)$85.57January 2026submitted
Independence Blue CrossGALPC/LMHC90834 (45 min)$73.20January 2026submitted
Independence Blue CrossGALPC/LMHC90837 (60 min)$95January 2026submitted
Independence Blue CrossGALPC/LMHC90846 (family, no client)$82.30January 2026submitted
Independence Blue CrossGALPC/LMHC90847 (family, with client)$86.23January 2026submitted
Optum / UHCGALPC/LMHC90791 (intake)$113January 2026submitted
Optum / UHCGALPC/LMHC90834 (45 min)$75January 2026submitted
Optum / UHCGALPC/LMHC90837 (60 min)$112January 2026submitted
Optum / UHCGALPC/LMHC90846 (family, no client)$75.99January 2026submitted
AetnaAZLCSW90837 (60 min)$130January 2026submitted
AetnaOHLCSW90837 (60 min)$121January 2026submitted
BCBSOHLCSW90837 (60 min)$91January 2026submitted
Optum / UHCOHLCSW90837 (60 min)$110January 2026submitted
BCBSMALCSW90837 (60 min)$131January 2026submitted
CignaCALMFT90837 (60 min)$95December 2025submitted
Carelon through KaiserCALMFT90837 (60 min)$115December 2025submitted
BCBSCALMFT90837 (60 min)$106December 2025submitted
AetnaTXLPC/LMHC90837 (60 min)$129.74October 2025submitted
AetnaTXLPC/LMHC90834 (45 min)$103October 2025submitted
BCBSTXLPC/LMHC90837 (60 min)$92.04October 2025submitted
BCBS——90837 (60 min)$104September 2025Comparison figure from a clinician credentialed on both Grow and Headway. source
BCBSNJ—90837 (60 min)$115September 2025Horizon BCBS NJ, masters level source
BCBSTX—90837 (60 min)$92.04August 2025BCBS PPO, masters level source
AetnaTX—90837 (60 min)$129.74August 2025masters level source
AetnaGALCSW90837 (60 min)$121August 2025source
Quest Behavioral HealthGALCSW90837 (60 min)$125August 2025source
OscarGALCSW90837 (60 min)$112August 2025source
CarelonGALCSW90837 (60 min)$93August 2025source
BCBSDCLCSW90837 (60 min)$114.97August 2025CareFirst; $5 above poster's direct contract source
Optum / UHCWALPC/LMHC90837 (60 min)$120.55August 2025United source
AetnaFLLPC/LMHC90837 (60 min)$121August 2025submitted
Independence Blue CrossPALCSW90837 (60 min)$95June 2025submitted
BCBSVALPC/LMHC90837 (60 min)$126March 2025They received an increase from anthem in July 2026 and refuse to pass it on. submitted
BCBSALLPC/LMHC90837 (60 min)$127February 2025submitted
BCBSILLPC/LMHC90837 (60 min)$129January 2025submitted
AetnaPAPhD/PsyD90837 (60 min)$143January 2025submitted
AetnaCTLPC/LMHC90837 (60 min)$130January 2025submitted
BCBS——90837 (60 min)$110December 2024Clinician reported Headway billed BCBS $220 for the session and paid $110; the claim was later denied as too expensive. source
Optum / UHC——90837 (60 min)$112November 2024Reported alongside the Alma figure; Optum reportedly pays Headway ~$130 for the session. source
BCBSCA—90837 (60 min)$86November 2024San Francisco. The commenter reports the directly credentialed rate is about the same and that BCBS refused to negotiate. source
Optum / UHCCO—90837 (60 min)$110November 2024source
AetnaWAPhD/PsyD90837 (60 min)$185October 2024submitted
PremeraWAPhD/PsyD90837 (60 min)$140October 2024submitted
BCBSWAPhD/PsyD90837 (60 min)$152.27October 2024submitted
Optum / UHCCOLPC/LMHC90837 (60 min)$120August 2024submitted
BCBSCOLPC/LMHC90837 (60 min)$98August 2024submitted
CignaMELCPC/LPCC/LCMHC90837 (60 min)$95August 2024submitted
Harvard PilgrimMELCPC/LPCC/LCMHC90837 (60 min)$127August 2024submitted
AetnaGAPhD/PsyD90837 (60 min)$196.24August 2024submitted
CignaUTLPC/LMHC90837 (60 min)$90August 2024submitted
BCBSGALCSW90837 (60 min)$98August 2024submitted
AetnaNYPhD/PsyD90834 (45 min)$161August 2024submitted
BCBSTXLPC/LMHC90837 (60 min)$92.04August 2024submitted
BCBSCALMFT90837 (60 min)$86August 2024submitted
AetnaCALMFT90837 (60 min)$130August 2024submitted
Optum / UHCCALMFT90837 (60 min)$117.73August 2024submitted
CignaCALMFT90837 (60 min)$95August 2024submitted
AetnaCALMFT90837 (60 min)$130July 2024submitted
MagellanCALCSW90834 (45 min)$70.50July 2024submitted
AetnaWILPC/LMHC90837 (60 min)$130June 2024submitted
BCBSWILPC/LMHC90837 (60 min)$119June 2024submitted
AetnaOHLCSW90837 (60 min)$121February 2024submitted
Anthem Blue CrossCALCSW90834 (45 min)$100January 2024submitted
CignaDCLMFT90837 (60 min)$88.48January 2024submitted
AetnaTXLPC/LMHC90837 (60 min)$129.74October 2023submitted
AetnaCALCSW90837 (60 min)$129August 2023submitted
BCBSNJLCSW90791 (intake)$115.72August 2023submitted
BCBSNJLCSW90837 (60 min)$115August 2023submitted
AetnaNJLCSW90791 (intake)$132.28August 2023submitted
AetnaNJLCSW90837 (60 min)$129.74August 2023submitted
AetnaNJLCSW90834 (45 min)$103August 2023submitted
BCBSNJLCSW90834 (45 min)$74August 2023submitted
Optum / UHCNJLCSW90791 (intake)$123August 2023submitted
Optum / UHCNJLCSW90837 (60 min)$120.55August 2023submitted
Optum / UHCNJLCSW90834 (45 min)$80August 2023submitted
CignaNJLCSW90837 (60 min)$95August 2023submitted
CignaNJLCSW90834 (45 min)$77August 2023submitted
Optum / UHCCALCSW90837 (60 min)$120August 2023submitted
BCBSCALCSW90837 (60 min)$107August 2023submitted
BCBSAZPhD/PsyD90837 (60 min)$140August 2023submitted
AetnaAZPhD/PsyD90837 (60 min)$163August 2023submitted
Optum / UHCAZPhD/PsyD90837 (60 min)$125August 2023submitted
AetnaCALCPC/LPCC/LCMHC90837 (60 min)$130August 2023submitted
Blue Shield of CaliforniaCALCSW90834 (45 min)$81July 2023submitted
AetnaCALCPC/LPCC/LCMHC90837 (60 min)$130March 2023submitted
Optum / UHCCALCPC/LPCC/LCMHC90837 (60 min)$122March 2023submitted
AetnaCALCSW90834 (45 min)$99January 2023submitted
CignaCALCSW90834 (45 min)$76January 2023submitted
Optum / UHCCALCSW90834 (45 min)$73January 2023submitted

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

Recent changes and reports: Headway’s session guide offers audit clawback protection for its note templates with or without AI, subject to agreement, law and known or communicated payer requirements. Current identity guidance covers providers and prescriber patients; talk-therapy-only patients are outside the stated current scope. Check account notices. Exit rules distinguish clinician-brought and Headway-sourced clients.

Ownership, funding, and a sourced incident timeline: who owns Headway.

Questions therapists ask about Headway

How much does Headway pay for a 90837?

Therapists reported 109 Headway rates for CPT 90837 between March 2023 and September 2026. The median was $119, with a range of $81 to $200.

Does Headway pay less than billing BCBS directly?

While Headway's reported BCBS median for a 90837 was $110 across 36 reports, direct-contract BCBS reports put the median at $134 across 86. Direct-contract reports come from a different mix of states, so part of the gap likely reflects geography, and the comparison does not account for fees, billing work, or the payment risks allocated by each contract.

When does Headway pay?

Payouts on the 15th and last day of the month. Confirmed sessions and payment eligibility determine the cycle; bank processing can add time. Cancellation fees depend on collection.

What should I watch for with Headway?

Headway’s session guide offers audit clawback protection for its note templates with or without AI, subject to agreement, law and known or communicated payer requirements. Current identity guidance covers providers and prescriber patients; talk-therapy-only patients are outside the stated current scope. Check account notices. Exit rules distinguish clinician-brought and Headway-sourced clients.

Sources for payment and account terms

Add your Headway 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.