Payer Rate Profile

UnitedHealthcare

Rate distribution profile across 13 states — derived from CMS Transparency in Coverage MRF data, 76,923 provider rate observations.

States with data

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

Provider observations

76,923

March 2026 vintage

TX 90837 median (master's)

$110

vs Medicare: -14.0%

Psychologist premium (TX 90837)

+$37

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 15%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $110P50 $110P75 $127P90 $134

n=6,569 provider observations

$110

median

moderate (15%)

Texas · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $144P25 $147P50 $147P75 $147P90 $152

n=1,274 provider observations

$147

median

narrow (0%)

California · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 13%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $116P50 $116P75 $131P90 $144

n=10,168 provider observations

$116

median

moderate (13%)

California · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 7%) — rates cluster tightly; most providers see similar contract rates.

P10 $138P25 $152P50 $154P75 $162P90 $314

n=2,690 provider observations

$154

median

narrow (7%)

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

High

Moderate spread (IQR/P50 10%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $121P50 $121P75 $134P90 $144

n=9,451 provider observations

$121

median

moderate (10%)

New York · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 9%) — rates cluster tightly; most providers see similar contract rates.

P10 $144P25 $147P50 $162P75 $162P90 $170

n=2,370 provider observations

$162

median

narrow (9%)

Florida · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 13%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $110P50 $116P75 $125P90 $134

n=7,370 provider observations

$116

median

moderate (13%)

Florida · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 5%) — rates cluster tightly; most providers see similar contract rates.

P10 $116P25 $147P50 $147P75 $154P90 $154

n=1,197 provider observations

$147

median

narrow (5%)

Pennsylvania · CPT 90837 · Master's-Level Therapists

High

Narrow spread (IQR/P50 5%) — rates cluster tightly; most providers see similar contract rates.

P10 $110P25 $110P50 $110P75 $116P90 $116

n=2,769 provider observations

$110

median

narrow (5%)

Pennsylvania · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 5%) — rates cluster tightly; most providers see similar contract rates.

P10 $144P25 $147P50 $147P75 $154P90 $154

n=1,076 provider observations

$147

median

narrow (5%)

Illinois · CPT 90837 · Master's-Level Therapists

High

Narrow spread (IQR/P50 7%) — rates cluster tightly; most providers see similar contract rates.

P10 $110P25 $110P50 $116P75 $119P90 $119

n=4,808 provider observations

$116

median

narrow (7%)

Illinois · CPT 90837 · Licensed Psychologists

High

Moderate spread (IQR/P50 24%) — meaningful variation between the 25th and 75th percentile positions.

P10 $119P25 $125P50 $125P75 $154P90 $154

n=1,285 provider observations

$125

median

moderate (24%)

Ohio · CPT 90837 · Master's-Level Therapists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $110P25 $110P50 $110P75 $110P90 $127

n=4,718 provider observations

$110

median

narrow (0%)

Ohio · CPT 90837 · Licensed Psychologists

High

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

P10 $147P25 $147P50 $147P75 $219P90 $390

n=1,233 provider observations

$147

median

wide (49%)

Georgia · CPT 90837 · Master's-Level Therapists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $110P25 $110P50 $110P75 $110P90 $134

n=1,780 provider observations

$110

median

narrow (0%)

Georgia · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $147P25 $147P50 $147P75 $147P90 $330

n=422 provider observations

$147

median

narrow (0%)

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

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $105P25 $105P50 $105P75 $105P90 $134

n=3,759 provider observations

$105

median

narrow (0%)

North Carolina · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 3%) — rates cluster tightly; most providers see similar contract rates.

P10 $121P25 $135P50 $140P75 $140P90 $140

n=436 provider observations

$140

median

narrow (3%)

Michigan · CPT 90837 · Master's-Level Therapists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $110P25 $110P50 $110P75 $110P90 $110

n=4,384 provider observations

$110

median

narrow (0%)

Michigan · CPT 90837 · Licensed Psychologists

High

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

P10 $110P25 $110P50 $147P75 $147P90 $147

n=1,272 provider observations

$147

median

moderate (25%)

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

High

Moderate spread (IQR/P50 16%) — meaningful variation between the 25th and 75th percentile positions.

P10 $116P25 $116P50 $116P75 $134P90 $134

n=2,882 provider observations

$116

median

moderate (16%)

New Jersey · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $147P25 $154P50 $154P75 $154P90 $154

n=533 provider observations

$154

median

narrow (0%)

Virginia · CPT 90837 · Master's-Level Therapists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $110P25 $110P50 $110P75 $110P90 $127

n=2,329 provider observations

$110

median

narrow (0%)

Virginia · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $121P25 $147P50 $147P75 $147P90 $162

n=429 provider observations

$147

median

narrow (0%)

Arizona · CPT 90837 · Master's-Level Therapists

High

Moderate spread (IQR/P50 13%) — meaningful variation between the 25th and 75th percentile positions.

P10 $110P25 $110P50 $110P75 $125P90 $144

n=1,394 provider observations

$110

median

moderate (13%)

Arizona · CPT 90837 · Licensed Psychologists

High

Narrow spread (IQR/P50 0%) — rates cluster tightly; most providers see similar contract rates.

P10 $147P25 $147P50 $147P75 $147P90 $155

n=325 provider observations

$147

median

narrow (0%)

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

$110

P50 median

Highn=6,569

Licensed Psychologists

PsyD, PhD

$147

P50 median

Highn=1,274

Observed delta: psychologist P50 is $36.77 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

76,923 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 →