Payer rate profile
Cigna
Rate distribution profile across 13 states — derived from CMS Transparency in Coverage MRF data, 123,804 provider rate observations.
States with data
Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia
Provider observations
123,804
April 2026 vintage
Distribution width
Wide spread
IQR / P50 ratio — rate-dispersion shape
Psychologist premium
Observed
Exact delta in report
Rate Distribution Profile
How rates spread across the network
Texas · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 49%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=8,687 provider observations · exact percentile dollars in full report
Texas · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 52%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=1,444 provider observations · exact percentile dollars in full report
Texas · CPT 90837 · Psychiatric Nurse Practitioners
4★Narrow spread (IQR/P50 9%) — rates cluster tightly; most providers see similar contract rates.
n=3,125 provider observations · exact percentile dollars in full report
Texas · CPT 90837 · Psychiatrists
4★Moderate spread (IQR/P50 20%) — meaningful variation between the 25th and 75th percentile positions.
n=1,995 provider observations · exact percentile dollars in full report
California · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 59%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=17,837 provider observations · exact percentile dollars in full report
New York · CPT 90837 · Licensed Therapists
4★Wide spread (IQR/P50 33%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=12,117 provider observations · exact percentile dollars in full report
New York · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 48%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=2,245 provider observations · exact percentile dollars in full report
Florida · CPT 90837 · Licensed Therapists
4★Wide spread (IQR/P50 48%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=15,694 provider observations · exact percentile dollars in full report
Florida · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 38%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=1,926 provider observations · exact percentile dollars in full report
Pennsylvania · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 54%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=6,211 provider observations · exact percentile dollars in full report
Pennsylvania · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 59%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=1,645 provider observations · exact percentile dollars in full report
Illinois · CPT 90837 · Licensed Therapists
4★Moderate spread (IQR/P50 17%) — meaningful variation between the 25th and 75th percentile positions.
n=8,665 provider observations · exact percentile dollars in full report
Illinois · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 52%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=2,323 provider observations · exact percentile dollars in full report
Ohio · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 70%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=6,385 provider observations · exact percentile dollars in full report
Georgia · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 55%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=3,678 provider observations · exact percentile dollars in full report
North Carolina · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 49%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=8,019 provider observations · exact percentile dollars in full report
North Carolina · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 50%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=793 provider observations · exact percentile dollars in full report
Michigan · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 71%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=5,339 provider observations · exact percentile dollars in full report
Michigan · CPT 90837 · Licensed Psychologists
3★Wide spread (IQR/P50 35%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=885 provider observations · exact percentile dollars in full report
New Jersey · CPT 90837 · Licensed Therapists
4★Wide spread (IQR/P50 40%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=5,164 provider observations · exact percentile dollars in full report
New Jersey · CPT 90837 · Licensed Psychologists
3★Moderate spread (IQR/P50 27%) — meaningful variation between the 25th and 75th percentile positions.
n=751 provider observations · exact percentile dollars in full report
Virginia · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 49%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=5,740 provider observations · exact percentile dollars in full report
Virginia · CPT 90837 · Licensed Psychologists
2★Wide spread (IQR/P50 58%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=883 provider observations · exact percentile dollars in full report
Arizona · CPT 90837 · Licensed Therapists
3★Wide spread (IQR/P50 61%) — substantial variation between network positions; rate outcome depends heavily on which network tier applies.
n=2,253 provider observations · exact percentile dollars in full report
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.
A per-session psychologist premium is present and measurable for this payer in Texas (CPT 90837). The exact dollar delta, credential-level P10–P90, and sample-weighted confidence are available in the full rate report.
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
123,804 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 →