Which insurance pays therapists the most in Illinois?

UnitedHealthcare, typically $116 for a 60-minute session (90837); Cigna is lowest at $99.

Is therapy reimbursement in Illinois higher or lower than the national average?

About 10% above the typical national rate for a 60-minute session, across the same payers.

How do I get paneled with these insurers in Illinois?

These are in-network rates, so the first step is getting credentialed with each payer. Payers typically take 60 to 120 days to review, and that clock only starts once a clean application is filed, so starting sooner means you're in network sooner. We prepare, check, and file each application for a one-time $99 per payer, then chase every follow-up for you. Start with paneled.ai.

What insurance pays therapists in Illinois

In Illinois, insurers typically reimburse $99 to $116 for a 60-minute therapy session (CPT 90837), depending on the payer. Typical rates for every payer and code are in the table below. Updated July 2026.

Reimbursement rates retrieved from CMS transparency data
Updated July 2026

Rates by payer and CPT code in Illinois

UnitedHealthcare is typically the strongest payer for a 60-minute session in Illinois, at $116, while Cigna sits lowest at $99. Taken together, Illinois runs about 10% above the national average across the same networks. The grid below is the full picture: every payer and session type, using the conservative low end of each payer's published contracts.

Typical in-network therapy reimbursement rates in Illinois by payer and CPT code, from CMS Transparency in Coverage files. Updated July 2026.
Payer	90837 (60-min therapy)	90834 (45-min therapy)	90791 (Initial evaluation)	90847 (Family therapy)
Aetna	$115	$78	$135	$100
Cigna	$99	$66	$101	$83
UnitedHealthcare	$116	$79	$138	$96

Swipe the table for more columns. Typical in-network therapy reimbursement rates in Illinois by payer and CPT code, from CMS Transparency in Coverage files. Updated July 2026.

Payer by payer in Illinois

Aetna in Illinois

Aetna typically reimburses $115 for a 60-minute session (90837) in Illinois, with contracts commonly running $115–$125. That's right in line with its national figure. All Aetna rates.

Cigna in Illinois

Cigna typically reimburses $99 for a 60-minute session (90837) in Illinois, with contracts commonly running $99–$100. That's about 41% above its national figure. All Cigna rates.

UnitedHealthcare in Illinois

UnitedHealthcare typically reimburses $116 for a 60-minute session (90837) in Illinois, with contracts commonly running $116–$125. That's right in line with its national figure. All UnitedHealthcare rates.

Explore more rates

Nearby states

By CPT code

About this data

From CMS Transparency in Coverage files, which insurers must publish. This page reflects published contracted rates for licensed behavioral health providers in Illinois. 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

Which insurance pays therapists the most in Illinois?: UnitedHealthcare, typically $116 for a 60-minute session (90837); Cigna is lowest at $99.
Is therapy reimbursement in Illinois higher or lower than the national average?: About 10% above the typical national rate for a 60-minute session, across the same payers.
How do I get paneled with these insurers in Illinois?: These are in-network rates, so the first step is getting credentialed with each payer. Payers typically take 60 to 120 days to review, and that clock only starts once a clean application is filed, so starting sooner means you're in network sooner. We prepare, check, and file each application for a one-time $99 per payer, then chase every follow-up for you. Start with paneled.ai.

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