Which insurance pays therapists the most in Texas?

Aetna, typically $111 for a 60-minute session (90837); Cigna is lowest at $68.

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

About 4% below the typical national rate for a 60-minute session, across the same payers.

How do I get paneled with these insurers in Texas?

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.

What insurance pays therapists in Texas

In Texas, insurers typically reimburse $68 to $111 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 Texas

Aetna is typically the strongest payer for a 60-minute session in Texas, at $111, while Cigna sits lowest at $68. Taken together, Texas runs about 4% 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.

Typical in-network therapy reimbursement rates in Texas 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	$111	$78	$123	$85
Cigna	$68	$63	$96	$68
UnitedHealthcare	$110	$75	$131	$92

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

Payer by payer in Texas

Aetna in Texas

Aetna typically reimburses $111 for a 60-minute session (90837) in Texas, with contracts commonly running $111–$129. That's about 4% below its national figure. All Aetna rates.

Cigna in Texas

Cigna typically reimburses $68 for a 60-minute session (90837) in Texas, with contracts commonly running $68–$96. That's about 3% below its national figure. All Cigna rates.

UnitedHealthcare in Texas

UnitedHealthcare typically reimburses $110 for a 60-minute session (90837) in Texas, with contracts commonly running $110–$114. That's about 5% below its national figure. 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 Texas. 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 Texas?: Aetna, typically $111 for a 60-minute session (90837); Cigna is lowest at $68.
Is therapy reimbursement in Texas higher or lower than the national average?: About 4% below the typical national rate for a 60-minute session, across the same payers.
How do I get paneled with these insurers in Texas?: 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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