What Cigna pays for therapy sessions
What Cigna pays depends heavily on your state. For a 60-minute session (CPT 90837), typical rates run from $59 in Virginia to $141 in Iowa, from published payer contracts. Nationally, contracts typically start around $70. Pick your state below for local figures. Updated July 2026.
Cigna is often the lowest-paying of the four national networks for therapy, with a wide spread between markets. That makes your state's numbers, and negotiation, matter more than they do with other payers.
- Reimbursement rates retrieved from CMS transparency data
- Updated July 2026
What Cigna pays per session type
Nationally, Cigna's contracts for a standard 60-minute session (90837) typically start around $70 and commonly run to $99. A 45-minute session (90834) pays $65–$71, and the intake evaluation (90791) $97–$114. These are conservative national figures, the low end of published contracts, and your own state can sit well above or below them.
| Session type | Typical rate | Typical range |
|---|---|---|
| 60-min therapy (90837) | $70 | $70–$99 |
| 45-min therapy (90834) | $65 | $65–$71 |
| Initial evaluation (90791) | $97 | $97–$114 |
| Family therapy (90847) | $70 | $70–$80 |
Where Cigna pays the most
The same Cigna panel is worth a different amount depending on where you practice. Among states with enough published data, its typical 60-minute rate runs from $59 in Virginia to $141 in Iowa, a spread of about 139%. The five highest-paying states:
| State | Typical 90837 rate |
|---|---|
| Iowa | $141 |
| District of Columbia | $108 |
| Maryland | $104 |
| Hawaii | $102 |
| Massachusetts | $102 |
Every state’s full figures, across all session types and every network, are on its own rate guide, linked below. For numbers specific to your license and ZIP code, use the calculator above.
Getting in network
Every figure on this page is an in-network rate. Your own contract with Cigna sets your exact numbers, and that contract starts with getting credentialed: a review that typically takes 60 to 120 days from the day a clean application is filed, which is the part we handle, from $99 one-time. How Cigna credentialing works for therapists.
Explore more rates
Cigna rates by state
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
About this data
From CMS Transparency in Coverage files, which insurers must publish. This page reflects Cigna's published contracted rates for licensed behavioral health providers nationwide. 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
- How much does Cigna pay for a 60-minute therapy session (90837)?
- Cigna typically reimburses $70 or more for CPT 90837, with typical contracts ranging up to $99.
- Does Cigna pay therapists the same in every state?
- No. Contracted rates vary meaningfully by state: among states with published data, Cigna's typical 90837 rate ranges from $59 to $141. Pick your state page for local figures.
- How do I get credentialed with Cigna?
- You apply to join Cigna's network, and these in-network rates apply once you're approved. Cigna usually reviews in 60 to 120 days, and that review only begins once a clean application is filed, so the sooner it's in, the sooner you're billing in network. We prepare and file the whole application for a one-time $99, then handle every follow-up until Cigna decides. Start with paneled.ai.
Rates like these start with getting on the panels.
We handle the applications and follow-ups, start to finish, from $99 one-time. No subscriptions.