What insurance pays therapists in North Carolina
In North Carolina, insurers typically reimburse $62 to $131 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 North Carolina
| Payer | 90837 (60-min therapy) | 90834 (45-min therapy) | 90791 (Initial evaluation) | 90847 (Family therapy) |
|---|---|---|---|---|
| Aetna | $106 | $77 | $116 | $93 |
| Anthem BCBS | $131 | $89 | $136 | $92 |
| Cigna | $62 | $57 | $60 | $57 |
| UnitedHealthcare | $105 | $71 | $125 | $87 |
By payer in North Carolina
Aetna in North Carolina
$106typical rate, 60-min session (90837)
Most contracts pay $106–$136.
Anthem BCBS in North Carolina
$131typical rate, 60-min session (90837)
Most contracts pay $131–$181.
Cigna in North Carolina
$62typical rate, 60-min session (90837)
Most contracts pay $62–$133.
UnitedHealthcare in North Carolina
$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 North Carolina. 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 North Carolina?
- Anthem BCBS, typically $131 for a 60-minute session (90837); Cigna is lowest at $62.
- Is therapy reimbursement in North Carolina higher or lower than the national average?
- About 5% below the typical national rate for a 60-minute session, across the same payers.
- How do I get paneled with these insurers in North Carolina?
- 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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