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How much insurance pays for 90834 (45-min therapy)

Major insurers typically reimburse $65 to $84 for CPT 90834 (45-min therapy). Aetna $78, Anthem BCBS $84, Cigna $65, UnitedHealthcare $79, based on contracted rates published in CMS Transparency in Coverage files. Rates vary widely by state. Updated July 2026.

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CPT 90834 is a 45-minute individual psychotherapy session (38 to 52 minutes of direct time). Many payers treat it as the default session length, which is why its rates sit below 90837.

  • Reimbursement rates retrieved from CMS transparency data
  • Updated July 2026
Typical national in-network reimbursement and common range for CPT 90834 by payer, from CMS Transparency in Coverage files. Updated July 2026.
PayerTypical rateTypical range
Aetna$78$78–$88
Anthem BCBS$84$84–$98
Cigna$65$65–$71
UnitedHealthcare$79$79–$85
Typical national in-network reimbursement and common range for CPT 90834 by payer, from CMS Transparency in Coverage files. Updated July 2026.
Highest-paying states for CPT 90834 by payer, from published contracted rates. For your own state and license, use the calculator above.
StateAetnaAnthem BCBSCignaUnitedHealthcare
Minnesota$93n/a$60$100
Maine$98$73$63$81
Hawaii$96n/a$84$75
North Dakota$93n/a$60$90
Wyoming$85n/a$63$92
Swipe the table for more columns. Highest-paying states for CPT 90834 by payer, from published contracted rates. For your own state and license, use the calculator above. Top five states with enough published data. Your state's figures are in the calculator above and on its own rate guide.

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About this data

From CMS Transparency in Coverage files, which insurers must publish. This page reflects published contracted rates for CPT 90834 across 50 states. Each figure is the typical contracted rate for master's-level clinicians (LCSW, LMHC, LMFT): a guide, not a quote, and credentialing never guarantees panel acceptance. Last synced July 2026.

Common questions

What is the average reimbursement for CPT 90834?
Across Aetna, Anthem BCBS, Cigna, and UnitedHealthcare, the typical national rate for 90834 (45-min therapy) runs from $65 to $84 per session, based on CMS Transparency in Coverage data. State-level rates can sit well above or below that.
Does 90834 pay differently by state?
Yes, the same payer's contracted 90834 rate can differ by 30% or more between states. The highest-paying states are listed above; for your own state and license, use the calculator or your state's rate guide.
How do I start billing these codes in network?
You need to be credentialed with each payer first; your own contract then sets your exact rates, and it applies from the day you're approved. Payer reviews run 60 to 120 days and only start once a clean application is filed, so filing sooner is the fastest route to billing in network. We prepare and file each application for a one-time $99 per payer and handle the follow-ups from there. Start with paneled.ai.

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