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What Cigna pays therapists

Therapists reported 92 Cigna rates between August 2020 and October 2026. The median for a 90837 was $95 across 69 reports, with a range of $39 to $141. Reports came through Headway, Alma, and Grow Therapy, and from clinicians holding their own Cigna contract, which allows the same code to be compared across routes.

Reported 90837: median $95, range $39–$141, middle half $86–$103, about 76% of the 2026 national Medicare reference for a master's-level clinician (69 reports · 92 across all CPTs · updated 2026-10-06)

Cigna 90837 by license

LicenseMedianRangeReports
LPC/LMHC$97$62–$12125
LCSW$95$60–$13124
LMFT$95$73–$1419
LCPC/LPCC/LCMHC$95$89–$1283
PhD/PsyD$111single report1

Cigna 90837 by route

While direct-contract reports for a 90837 put the median at $100, Headway reports for the same code sit about $5 lower at $95. Direct-contract reports come from a different mix of states, so part of the difference likely reflects geography. Fees, billing work, and payment risks depend on the applicable contracts and are not measured here.

RouteMedianRangeReports
Direct contract$100$39–$14137
Headway$95$88–$10217
Alma$102$95–$1068
Grow Therapy$73$68–$745
Collective Counseling Solutions$110single report1
Tava Health$86single report1

Cigna 90837 by state

StateMedianRangeReports
Maryland$100$74–$1317
California$95$74–$1417
Georgia$96$74–$1106
Colorado$104$65–$1214
North Carolina$99$62–$1094
New Jersey$95$76–$1154
Arizona$106$39–$1113
Washington$106$99–$1083
Texas$97$95–$1023
Florida$70$68–$1023
District of Columbia$108$88–$1282
Connecticut$106$101–$1112
Illinois$102$100–$1032
Oregon$99$98–$1002
Pennsylvania$84$73–$952
Missouri$82$68–$952
Vermont$66$60–$712
Virginia$102single report1
Mississippi$95single report1
Maine$95single report1
Utah$90single report1
Indiana$90single report1
Ohio$89single report1
Massachusetts$69single report1
Montana$68single report1
Wisconsin$62single report1

Other codes: 90791 (intake) median $106 (6 reports); 90834 (45 min) median $76 (12 reports); 90847 (family, with client) median $77 (2 reports); 90846 (family, no client) median $75 (2 reports).

Cigna by state, in detail

All 92 Cigna reports

RouteStLicenseCPTRateEffectiveNote / source
HeadwayPALPC/LMHC90837 (60 min)$95October 2026submitted
Direct contractVTLCSW90837 (60 min)$60October 2026Opening offer for individual credential. Unwilling to negotiate. submitted
AlmaTXLCSW90834 (45 min)$86October 2026submitted
Direct contractWALCSW90837 (60 min)$99October 2026submitted
AlmaWIPhD/PsyD90834 (45 min)$86October 2026submitted
HeadwayCALMFT90834 (45 min)$76October 2026submitted
Direct contractNJLCSW90837 (60 min)$76October 2026submitted
Direct contractWILPC/LMHC90837 (60 min)$62September 2026submitted
Direct contractWILPC/LMHC90834 (45 min)$60September 2026submitted
AlmaCOLCSW90837 (60 min)$102September 2026submitted
HeadwayGALCSW90837 (60 min)$89September 2026submitted
HeadwayMDLCSW90837 (60 min)$89August 2026submitted
Grow TherapyGALPC/LMHC90791 (intake)$87.50August 2026submitted
Grow TherapyGALPC/LMHC90834 (45 min)$62.30August 2026submitted
Grow TherapyGALPC/LMHC90837 (60 min)$73.50August 2026submitted
Grow TherapyGALPC/LMHC90846 (family, no client)$61.60August 2026submitted
Grow TherapyGALPC/LMHC90847 (family, with client)$63.70August 2026submitted
Direct contractORLPC/LMHC90837 (60 min)$98August 2026submitted
AlmaGALPC/LMHC90846 (family, no client)$88August 2026submitted
AlmaGALPC/LMHC90847 (family, with client)$91August 2026submitted
Direct contractCALCSW90791 (intake)$140August 2026submitted
Direct contractCALCSW90837 (60 min)$88August 2026submitted
Direct contractCALCSW90834 (45 min)$80August 2026submitted
HeadwayGALCSW90837 (60 min)$89August 2026submitted
HeadwayMOLPC/LMHC90837 (60 min)$95August 2026submitted
AlmaTXLPC/LMHC90837 (60 min)$102August 2026submitted
HeadwayMDLCPC/LPCC/LCMHC90837 (60 min)$89August 2026submitted
Direct contractMALPC/LMHC90837 (60 min)$69August 2026submitted
Direct contractVALPC/LMHC90837 (60 min)$102August 2026submitted
AlmaMDLCSW90837 (60 min)$102August 2026submitted
HeadwayINLCSW90837 (60 min)$90August 2026submitted
Direct contractCTLPC/LMHC90791 (intake)$148August 2026submitted
Grow TherapyMDLPC/LMHC90791 (intake)$87.50August 2026submitted
Grow TherapyMDLPC/LMHC90834 (45 min)$62.30August 2026submitted
Grow TherapyMDLPC/LMHC90837 (60 min)$73.50August 2026submitted
HeadwayOHLCSW90837 (60 min)$89August 2026submitted
Direct contractNJLPC/LMHC90837 (60 min)$115August 2026$3 increase yearly - you need to reach out to them directly submitted
Direct contractNCLPC/LMHC90837 (60 min)$109.18August 2026submitted
HeadwayTXLCSW90837 (60 min)$95August 2026submitted
Direct contractTNPre-licensed90834 (45 min)$68August 2026submitted
Direct contractCALMFT90837 (60 min)$74July 2026submitted
HeadwayNJLPC/LMHC90837 (60 min)$94.99June 2026submitted
Direct contractAZ—90837 (60 min)$39May 2026lowest Cigna rate reported in the thread source
Collective Counseling Solutions——90837 (60 min)$110May 2026contracted via Collective Counseling Solutions source
Direct contractILLCSW90837 (60 min)$100May 2026submitted
Direct contractFLLPC/LMHC90837 (60 min)$68February 2026No request for increase until 1 year of current rate. submitted
Direct contractWALCSW90837 (60 min)$106February 2026submitted
Direct contractMDLCSW90837 (60 min)$131February 2026Work evenings and weekends submitted
Direct contractNCLPC/LMHC90837 (60 min)$62January 2026submitted
HeadwayGALPC/LMHC90834 (45 min)$77January 2026submitted
HeadwayGALPC/LMHC90791 (intake)$111January 2026submitted
HeadwayGALPC/LMHC90837 (60 min)$102January 2026submitted
Tava HealthCALMFT90837 (60 min)$86January 2026submitted
Tava HealthCALMFT90791 (intake)$101January 2026submitted
Tava HealthCALMFT90834 (45 min)$58January 2026submitted
Grow TherapyFLLCSW90837 (60 min)$70January 2026submitted
Direct contractWALPC/LMHC90837 (60 min)$108January 2026Applied for an increase and they gave me a $3 more (previous rate was $105) submitted
HeadwayCALMFT90837 (60 min)$95December 2025submitted
Direct contract—LCSW—$108November 2025solo practice, DC/MD/VA source
Grow Therapy——90837 (60 min)$68September 2025source
AlmaNC—90837 (60 min)$95September 2025masters level; 90834 $79, 90791 $110 source
Direct contractNC—90837 (60 min)$103September 2025Evernorth first offer; poster reports negotiable to $115, then $130 before signing source
Direct contractDCLCSW90837 (60 min)$128August 2025LICSW; group and individual contracts pay the same source
AlmaFLLPC/LMHC90837 (60 min)$102August 2025submitted
Direct contractCOLPC/LMHC90837 (60 min)$65August 2025submitted
AlmaCOLPC/LMHC90837 (60 min)$106August 2025submitted
Direct contractMOLCSW90837 (60 min)$68August 2025submitted
Direct contractMDLCPC/LPCC/LCMHC90837 (60 min)$128July 2025Bethesda area submitted
Direct contractMTLCSW90837 (60 min)$68July 2025submitted
AlmaGALPC/LMHC90837 (60 min)$102June 2025submitted
AlmaTXLPC/LMHC90837 (60 min)$97January 2025submitted
Direct contractOR—90837 (60 min)$100November 2024source
Grow TherapyPALMFT90837 (60 min)$73November 2024source
Direct contractIL—90837 (60 min)$103November 2024source
Direct contractAZLPC/LMHC90837 (60 min)$106August 2024Group contract rates. Was $59 for individual contract submitted
Direct contractCALMFT90837 (60 min)$113August 2024Increased from $76 in 2023 or 2024 submitted
HeadwayMELCPC/LPCC/LCMHC90837 (60 min)$95August 2024submitted
HeadwayUTLPC/LMHC90837 (60 min)$90August 2024submitted
HeadwayCALMFT90837 (60 min)$95August 2024submitted
Direct contractCTLMFT90837 (60 min)$101August 2024submitted
Direct contractMSLCSW90837 (60 min)$95June 2024submitted
Direct contractGALCSW90837 (60 min)$110June 2024submitted
HeadwayDCLMFT90837 (60 min)$88.48January 2024submitted
HeadwayNJLCSW90837 (60 min)$95August 2023submitted
HeadwayNJLCSW90834 (45 min)$77August 2023submitted
Direct contractCALMFT90837 (60 min)$141August 2023submitted
Direct contractVTLPC/LMHC90837 (60 min)$71May 2023Raised from 69 to 71 in August 2024 submitted
HeadwayCALCSW90834 (45 min)$76January 2023submitted
Direct contractCTLCSW90837 (60 min)$111May 2022submitted
Direct contractMDLCSW90837 (60 min)$100May 2022submitted
Direct contractAZPhD/PsyD90837 (60 min)$111July 2021submitted
Direct contractCOLPC/LMHC90837 (60 min)$121August 2020submitted

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Limitations

These figures have three limitations. First, every rate is self-reported and unverified. Second, the sample is self-selected: 14% of all reports come from California. Third, license is missing on 66 of 789 rows. These per-payer reports describe this sample; additional reports can change the median and widen the range. How this data is collected and checked.

Add your Cigna rate See these rows in the full table