Which insurance pays therapists the most in North Dakota?

Aetna, typically $138 for a 60-minute session (90837); Cigna is lowest at $62.

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

About 5% above the typical national rate for a 60-minute session, across the same payers.

How do I get paneled with these insurers in North Dakota?

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 North Dakota

In North Dakota, insurers typically reimburse $62 to $138 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

Aetna$138/ session

UnitedHealthcare$133/ session

Anthem BCBS$111/ session

Cigna$62/ session

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 Dakota

Typical in-network therapy reimbursement rates in North Dakota 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	$138	$93	$160	$106
Anthem BCBS	$111	$77	$127	$88
Cigna	$62	$60	$60	$60
UnitedHealthcare	$133	$90	$158	$89

Swipe the table for more columns. Typical in-network therapy reimbursement rates in North Dakota by payer and CPT code, from CMS Transparency in Coverage files. Updated July 2026.

By payer in North Dakota

Aetna in North Dakota

$138typical rate, 60-min session (90837)

Most contracts pay $138–$290.

All Aetna rates

Anthem BCBS in North Dakota

$111typical rate, 60-min session (90837)

Most contracts pay $111–$204.

All Anthem BCBS rates

Cigna in North Dakota

$62typical rate, 60-min session (90837)

Most contracts pay $62–$105.

All Cigna rates

UnitedHealthcare in North Dakota

$133typical rate, 60-min session (90837)

Most contracts pay $133–$177.

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 North Dakota. 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 Dakota?: Aetna, typically $138 for a 60-minute session (90837); Cigna is lowest at $62.
Is therapy reimbursement in North Dakota higher or lower than the national average?: About 5% above the typical national rate for a 60-minute session, across the same payers.
How do I get paneled with these insurers in North Dakota?: 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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