What insurance pays therapists in Massachusetts
In Massachusetts, insurers typically reimburse $102 to $132 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 Massachusetts
UnitedHealthcare is typically the strongest payer for a 60-minute session in Massachusetts, at $132, while Cigna sits lowest at $102. Taken together, Massachusetts runs about 16% 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.
| Payer | 90837 (60-min therapy) | 90834 (45-min therapy) | 90791 (Initial evaluation) | 90847 (Family therapy) |
|---|---|---|---|---|
| Aetna | $115 | $78 | $129 | $96 |
| Cigna | $102 | $68 | $104 | $83 |
| UnitedHealthcare | $132 | $89 | $157 | $96 |
Payer by payer in Massachusetts
Aetna in Massachusetts
Aetna hasn't published enough Massachusetts-specific data, so the honest figure is its national one: typically $115 for a 60-minute session (90837), with contracts commonly running $115–$129. All Aetna rates.
Cigna in Massachusetts
Cigna typically reimburses $102 for a 60-minute session (90837) in Massachusetts, with contracts commonly running $102–$111. That's about 46% above its national figure. All Cigna rates.
UnitedHealthcare in Massachusetts
UnitedHealthcare typically reimburses $132 for a 60-minute session (90837) in Massachusetts, with contracts commonly running $132–$150. That's about 14% above its national figure. All UnitedHealthcare rates.
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 Massachusetts. 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 Massachusetts?
- UnitedHealthcare, typically $132 for a 60-minute session (90837); Cigna is lowest at $102.
- Is therapy reimbursement in Massachusetts higher or lower than the national average?
- About 16% above the typical national rate for a 60-minute session, across the same payers.
- How do I get paneled with these insurers in Massachusetts?
- 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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