Which insurance pays therapists the most in Massachusetts?

UnitedHealthcare, typically $132 for a 60-minute session (90837); Anthem BCBS is lowest at $70.

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

About 1% below the typical national rate for a 60-minute session, across the same payers.

How do I get paneled with these insurers in Massachusetts?

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.

What insurance pays therapists in Massachusetts

In Massachusetts, insurers typically reimburse $70 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

UnitedHealthcare$132/ session

Aetna$115/ session

Cigna$102/ session

Anthem BCBS$70/ session

Low-end estimates for master’s-level clinicians (LCSW, LMHC, LMFT) from payer-published data. Payers without enough Massachusetts data show their national rate.

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Typical rate by CPT code in Massachusetts

Typical in-network therapy reimbursement rates in Massachusetts 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	$129	$96
Anthem BCBS	$70	$56	$134	$86
Cigna	$102	$68	$104	$83
UnitedHealthcare	$132	$89	$157	$96

Swipe the table for more columns. Typical in-network therapy reimbursement rates in Massachusetts by payer and CPT code, from CMS Transparency in Coverage files. Updated July 2026. * National figure shown where this state has limited published data.

By payer in Massachusetts

Aetna in Massachusetts

$115typical national rate, 60-min session (90837)

Most contracts pay $115–$145.

All Aetna rates

Anthem BCBS in Massachusetts

$70typical rate, 60-min session (90837)

Most contracts pay $70–$159.

All Anthem BCBS rates

Cigna in Massachusetts

$102typical rate, 60-min session (90837)

Most contracts pay $102–$147.

All Cigna rates

UnitedHealthcare in Massachusetts

$132typical rate, 60-min session (90837)

Most contracts pay $132–$176.

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 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); Anthem BCBS is lowest at $70.
Is therapy reimbursement in Massachusetts higher or lower than the national average?: About 1% below the typical national rate for a 60-minute session, across the same payers.
How do I get paneled with these insurers in Massachusetts?: 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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