What insurance pays therapists in North Carolina
In North Carolina, insurers typically reimburse $62 to $106 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 North Carolina
Aetna is typically the strongest payer for a 60-minute session in North Carolina, at $106, while Cigna sits lowest at $62. Taken together, North Carolina runs about 9% below 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 | $106 | $77 | $116 | $93 |
| Cigna | $62 | $57 | $60 | $57 |
| UnitedHealthcare | $105 | $71 | $125 | $87 |
Payer by payer in North Carolina
Aetna in North Carolina
Aetna typically reimburses $106 for a 60-minute session (90837) in North Carolina, with contracts commonly running $106–$116. That's about 8% below its national figure. All Aetna rates.
Cigna in North Carolina
Cigna typically reimburses $62 for a 60-minute session (90837) in North Carolina, with contracts commonly running $62–$94. That's about 11% below its national figure. All Cigna rates.
UnitedHealthcare in North Carolina
UnitedHealthcare typically reimburses $105 for a 60-minute session (90837) in North Carolina, with contracts commonly running $105–$119. That's about 10% below 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 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?
- Aetna, typically $106 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 9% 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?
- 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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