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. 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 typically pays
Typical national rates; your state can sit well above or below.
One-time price. We handle the application start to finish.
These are in-network rates, so they apply once you’re credentialed. How Cigna credentialing works for therapists.
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Cigna rates by state
- Alabama
- Alaska
- 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 many contracts paying up to $142.
- 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 approval is at Cigna's discretion, usually after 60 to 120 days. We prepare and file the application for you for a one-time $99. Start with paneled.ai.
These rates are waiting. Get on the panels.
We handle the applications and follow-ups, start to finish, from $99 one-time. No subscriptions.