Payer Rate Profile

Cigna

Rate distribution profile across 13 states — derived from CMS Transparency in Coverage MRF data, 118,711 provider rate observations.

States with data

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

Provider observations

118,711

April 2026 vintage

TX 90837 median (master's)

$96

vs Medicare: -25.1%

Psychologist premium (TX 90837)

+$-11

vs master's-level median

Rate Distribution Profile

How rates spread across the network

Texas · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 50%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $62P25 $64P50 $96P75 $112P90 $164

n=8,710 provider observations

$96

median

wide (50%)

Texas · CPT 90837 · Licensed Psychologists

Moderate

Wide spread (IQR/P50 52%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $74P25 $74P50 $85P75 $118P90 $128

n=1,448 provider observations

$85

median

wide (52%)

California · CPT 90837 · Master's-Level Therapists

Moderate

Wide spread (IQR/P50 59%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $70P25 $75P50 $113P75 $142P90 $182

n=17,837 provider observations

$113

median

wide (59%)

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

High

Wide spread (IQR/P50 33%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $68P25 $88P50 $104P75 $123P90 $148

n=12,117 provider observations

$104

median

wide (33%)

New York · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 48%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $81P25 $88P50 $121P75 $146P90 $211

n=2,245 provider observations

$121

median

wide (48%)

Florida · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 48%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $68P25 $70P50 $102P75 $119P90 $174

n=15,694 provider observations

$102

median

wide (48%)

Florida · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 38%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $79P25 $83P50 $103P75 $122P90 $167

n=1,926 provider observations

$103

median

wide (38%)

Pennsylvania · CPT 90837 · Master's-Level Therapists

Moderate

Wide spread (IQR/P50 54%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $62P25 $62P50 $98P75 $115P90 $174

n=6,211 provider observations

$98

median

wide (54%)

Pennsylvania · CPT 90837 · Licensed Psychologists

Moderate

Wide spread (IQR/P50 59%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $79P25 $79P50 $112P75 $145P90 $303

n=1,645 provider observations

$112

median

wide (59%)

Illinois · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 17%) — meaningful variation between the 25th and 75th percentile positions.

P10 $95P25 $99P50 $100P75 $116P90 $169

n=8,665 provider observations

$100

median

moderate (17%)

Illinois · CPT 90837 · Licensed Psychologists

Moderate

Wide spread (IQR/P50 52%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $95P25 $113P50 $114P75 $172P90 $223

n=2,323 provider observations

$114

median

wide (52%)

Ohio · CPT 90837 · Master's-Level Therapists

Moderate

Wide spread (IQR/P50 70%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $68P25 $68P50 $76P75 $121P90 $174

n=6,385 provider observations

$76

median

wide (70%)

Georgia · CPT 90837 · Master's-Level Therapists

Moderate

Wide spread (IQR/P50 55%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $70P25 $70P50 $96P75 $123P90 $174

n=3,678 provider observations

$96

median

wide (55%)

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

High

Wide spread (IQR/P50 49%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $62P25 $62P50 $97P75 $110P90 $133

n=8,019 provider observations

$97

median

wide (49%)

North Carolina · CPT 90837 · Licensed Psychologists

Moderate

Wide spread (IQR/P50 50%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $79P25 $79P50 $111P75 $135P90 $141

n=793 provider observations

$111

median

wide (50%)

Michigan · CPT 90837 · Master's-Level Therapists

Moderate

Wide spread (IQR/P50 71%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $62P25 $62P50 $62P75 $106P90 $133

n=5,339 provider observations

$62

median

wide (71%)

Michigan · CPT 90837 · Licensed Psychologists

High

Wide spread (IQR/P50 35%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $77P25 $85P50 $85P75 $115P90 $133

n=885 provider observations

$85

median

wide (35%)

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

High

Wide spread (IQR/P50 40%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $75P25 $76P50 $103P75 $117P90 $153

n=5,164 provider observations

$103

median

wide (40%)

New Jersey · CPT 90837 · Licensed Psychologists

High

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

P10 $79P25 $95P50 $130P75 $130P90 $199

n=751 provider observations

$130

median

moderate (27%)

Virginia · CPT 90837 · Master's-Level Therapists

High

Wide spread (IQR/P50 49%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $59P25 $59P50 $104P75 $110P90 $148

n=5,740 provider observations

$104

median

wide (49%)

Virginia · CPT 90837 · Licensed Psychologists

Moderate

Wide spread (IQR/P50 58%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $81P25 $81P50 $116P75 $148P90 $264

n=883 provider observations

$116

median

wide (58%)

Arizona · CPT 90837 · Master's-Level Therapists

Moderate

Wide spread (IQR/P50 61%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.

P10 $59P25 $59P50 $104P75 $123P90 $174

n=2,253 provider observations

$104

median

wide (61%)

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

$96

P50 median

Highn=8,710

Licensed Psychologists

PsyD, PhD

$85

P50 median

Moderaten=1,448

Observed delta: psychologist P50 is $-11.00 higher per session than master’s-level P50 for this payer in Texas (CPT 90837).

Data Quality

Confidence and coverage

Confidence rating

Moderate on one or more buckets — see per-report detail

States covered

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

Provider observations

118,711 across all reports

Data source

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

Vintage

April 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 →