Payer Rate Profile

Aetna

Rate distribution profile across 13 states — derived from CMS Transparency in Coverage MRF data, 1,228,827 provider rate observations.

States with data

Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia

Provider observations

1,228,827

March 2026 vintage

TX 90837 median (master's)

$136

vs Medicare: +6.2%

Psychologist premium (TX 90837)

+$-5

vs master's-level median

Rate Distribution Profile

How rates spread across the network

Texas · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 28%) — meaningful variation between the 25th and 75th percentile positions.

P10 $112P25 $116P50 $136P75 $155P90 $172

n=94,244 provider observations

$136

median

moderate (28%)

Texas · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 27%) — meaningful variation between the 25th and 75th percentile positions.

P10 $112P25 $116P50 $132P75 $152P90 $172

n=9,185 provider observations

$132

median

moderate (27%)

California · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 32%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $110P25 $121P50 $146P75 $167P90 $196

n=233,557 provider observations

$146

median

wide (32%)

California · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 30%) — meaningful variation between the 25th and 75th percentile positions.

P10 $112P25 $122P50 $146P75 $165P90 $196

n=26,345 provider observations

$146

median

moderate (30%)

New York · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 29%) — meaningful variation between the 25th and 75th percentile positions.

P10 $116P25 $120P50 $137P75 $160P90 $183

n=139,589 provider observations

$137

median

moderate (29%)

New York · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 30%) — meaningful variation between the 25th and 75th percentile positions.

P10 $109P25 $120P50 $137P75 $161P90 $196

n=21,741 provider observations

$137

median

moderate (30%)

Florida · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 37%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $89P25 $106P50 $132P75 $155P90 $172

n=139,193 provider observations

$132

median

wide (37%)

Florida · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 41%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $85P25 $102P50 $127P75 $155P90 $194

n=12,829 provider observations

$127

median

wide (41%)

Pennsylvania · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 25%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $116P50 $134P75 $149P90 $171

n=40,725 provider observations

$134

median

moderate (25%)

Pennsylvania · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 28%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $112P50 $132P75 $150P90 $194

n=9,319 provider observations

$132

median

moderate (28%)

Illinois · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 25%) — meaningful variation between the 25th and 75th percentile positions.

P10 $102P25 $115P50 $131P75 $147P90 $164

n=79,993 provider observations

$131

median

moderate (25%)

Illinois · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 28%) — meaningful variation between the 25th and 75th percentile positions.

P10 $102P25 $115P50 $131P75 $152P90 $167

n=15,439 provider observations

$131

median

moderate (28%)

Ohio · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 28%) — meaningful variation between the 25th and 75th percentile positions.

P10 $98P25 $112P50 $131P75 $149P90 $184

n=59,325 provider observations

$131

median

moderate (28%)

Georgia · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 30%) — meaningful variation between the 25th and 75th percentile positions.

P10 $102P25 $116P50 $132P75 $155P90 $174

n=29,881 provider observations

$132

median

moderate (30%)

Georgia · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 34%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $93P25 $105P50 $124P75 $147P90 $180

n=2,762 provider observations

$124

median

wide (34%)

North Carolina · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 31%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $103P25 $119P50 $139P75 $162P90 $184

n=83,209 provider observations

$139

median

wide (31%)

North Carolina · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 30%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $106P25 $123P50 $146P75 $167P90 $184

n=5,557 provider observations

$146

median

wide (30%)

Michigan · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 18%) — meaningful variation between the 25th and 75th percentile positions.

P10 $111P25 $125P50 $142P75 $150P90 $168

n=60,032 provider observations

$142

median

moderate (18%)

Michigan · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 21%) — meaningful variation between the 25th and 75th percentile positions.

P10 $111P25 $125P50 $142P75 $154P90 $168

n=14,167 provider observations

$142

median

moderate (21%)

New Jersey · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 26%) — meaningful variation between the 25th and 75th percentile positions.

P10 $111P25 $120P50 $136P75 $155P90 $170

n=58,141 provider observations

$136

median

moderate (26%)

New Jersey · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 25%) — meaningful variation between the 25th and 75th percentile positions.

P10 $111P25 $125P50 $139P75 $160P90 $193

n=6,746 provider observations

$139

median

moderate (25%)

Virginia · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 29%) — meaningful variation between the 25th and 75th percentile positions.

P10 $96P25 $109P50 $128P75 $146P90 $167

n=48,173 provider observations

$128

median

moderate (29%)

Virginia · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 36%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $96P25 $109P50 $128P75 $155P90 $225

n=6,593 provider observations

$128

median

wide (36%)

Arizona · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 37%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $102P25 $103P50 $120P75 $147P90 $167

n=27,635 provider observations

$120

median

wide (37%)

Arizona · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 28%) — meaningful variation between the 25th and 75th percentile positions.

P10 $90P25 $103P50 $120P75 $137P90 $167

n=4,447 provider observations

$120

median

moderate (28%)

Credential Premium

Psychologist vs. master’s-level delta

Observed P50 difference between Licensed Psychologists and Master’s-Level Therapists for CPT 90837 in Texas. Sourced from CMS TiC MRF data.

Master's-Level Therapists

LCSW, LPC, LMFT

$136

P50 median

Highn=94,244

Licensed Psychologists

PsyD, PhD

$132

P50 median

Highn=9,185

Observed delta: psychologist P50 is $-4.63 higher per session than master’s-level P50 for this payer in Texas (CPT 90837).

Data Quality

Confidence and coverage

Confidence rating

High — all credential buckets

States covered

Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia

Provider observations

1,228,827 across all reports

Data source

CMS Transparency in Coverage Machine-Readable Files (§ 147.210)

Vintage

March 2026

Methodology

All rate observations are sourced from CMS Transparency in Coverage MRFs under 45 CFR § 147.210. Distribution metrics (P10–P90, IQR/P50 ratio) are computed from pooled statewide commercial fee-for-service claims for outpatient psychotherapy. Characterizations such as “narrow” or “wide” distribution reflect statistical thresholds (IQR/P50 < 0.10 = narrow, 0.10–0.30 = moderate, > 0.30 = wide), not editorial judgments. Full methodology →