What UnitedHealthcare pays for therapy sessions
What UnitedHealthcare pays depends heavily on your state. For a 60-minute session (CPT 90837), typical rates run from $105 in South Carolina to $134 in Wyoming, from published payer contracts. Pick your state below for local figures. Updated July 2026.
UnitedHealthcare, which runs behavioral health through Optum, tends to sit mid-pack. Its fee schedules are more standardized across states than the regional Blues, so its rates are more predictable from one market to the next.
- Reimbursement rates retrieved from CMS transparency data
- Updated July 2026
What UnitedHealthcare typically pays
Typical national rates; your state can sit well above or below.
One-time price. We handle the application start to finish.
These are in-network rates, so they apply once you’re credentialed. How UnitedHealthcare credentialing works for therapists.
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UnitedHealthcare rates by state
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- West Virginia
- Wisconsin
- Wyoming
About this data
From CMS Transparency in Coverage files, which insurers must publish. This page reflects UnitedHealthcare's published contracted rates for licensed behavioral health providers nationwide. 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
- How much does UnitedHealthcare pay for a 60-minute therapy session (90837)?
- UnitedHealthcare typically reimburses $116 or more for CPT 90837, with many contracts paying up to $147.
- Does UnitedHealthcare pay therapists the same in every state?
- No. Contracted rates vary meaningfully by state: among states with published data, UnitedHealthcare's typical 90837 rate ranges from $105 to $134. Pick your state page for local figures.
- How do I get credentialed with UnitedHealthcare?
- You apply to join UnitedHealthcare's network, and approval is at UnitedHealthcare's discretion, usually after 60 to 120 days. We prepare and file the application for you for a one-time $99. Start with paneled.ai.
These rates are waiting. Get on the panels.
We handle the applications and follow-ups, start to finish, from $99 one-time. No subscriptions.