What insurance pays therapists in Indiana
In Indiana, insurers typically reimburse $62 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
Low-end estimates for master’s-level clinicians (LCSW, LMHC, LMFT) from payer-published data.
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Typical rate by CPT code in Indiana
| Payer | 90837 (60-min therapy) | 90834 (45-min therapy) | 90791 (Initial evaluation) | 90847 (Family therapy) |
|---|---|---|---|---|
| Aetna | $116 | $72 | $125 | $96 |
| Anthem BCBS | $114 | $77 | $140 | $83 |
| Cigna | $62 | $57 | $57 | $57 |
| UnitedHealthcare | $105 | $71 | $125 | $87 |
By payer in Indiana
Aetna in Indiana
$116typical rate, 60-min session (90837)
Most contracts pay $116–$145.
Anthem BCBS in Indiana
$114typical rate, 60-min session (90837)
Most contracts pay $114–$165.
UnitedHealthcare in Indiana
$105typical rate, 60-min session (90837)
Most contracts pay $105–$140.
Explore more rates
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 Indiana. 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 Indiana?
- Aetna, typically $116 for a 60-minute session (90837); Cigna is lowest at $62.
- Is therapy reimbursement in Indiana higher or lower than the national average?
- About 6% below the typical national rate for a 60-minute session, across the same payers.
- How do I get paneled with these insurers in Indiana?
- Each payer has its own application, usually 60 to 120 days start to finish. We prepare and file them for a one-time $99 per payer. Start with paneled.ai.
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