New Jersey Therapist Insurance Rates (2026)

The median rate Aetna, Cigna, UnitedHealthcare / Optum, Horizon BCBSNJ have negotiated with New Jersey therapists for the most common psychotherapy codes, from each payer's own published in-network rate file. Each cell shows the median, the middle half of rates (25th to 75th percentile) and n, the number of individual providers behind it.

For licensed professional counselors (LPC, LMHC), the median for a 60 minute session (90837) runs from $104 (Cigna) to $154 (Horizon BCBSNJ).

Licensed Professional Counselors (LPC, LMHC)

Code	Aetna	Cigna	UHC (Optum)	Horizon
90837 Therapy, 60 min	$136 $135.78 to $136.38 n = 4,842	$104 $76 to $120 n = 3,078	$116 $116 to $138 n = 1,622	$154 $137 to $156 n = 4,292
90834 Therapy, 45 min	$95 $93 to $108 n = 4,873	$74 $70 to $85 n = 3,078	$79 $79 to $101 n = 1,624	$103 $92 to $104 n = 4,292
90791 Intake evaluation	$151 $148 to $162 n = 4,873	$123 $111 to $144 n = 3,078	$138 $138 to $151 n = 1,622	$163 $141 to $165 n = 4,294
90847 Family therapy, with patient	$102 $97 to $113 n = 4,777	$78 $75 to $92 n = 3,078	$96 $95 to $96 n = 1,624	$125 $115 to $125 n = 4,292

Clinical Social Workers (LCSW)

Code	Aetna	Cigna	UHC (Optum)	Horizon
90837 Therapy, 60 min	$136 $135.78 to $136.38 n = 4,913	$99 $76 to $116 n = 3,154	$116 $116 to $127 n = 1,817	$152 $137 to $156 n = 4,239
90834 Therapy, 45 min	$95 $93 to $108 n = 4,959	$72 $70 to $83 n = 3,154	$79 $79 to $90 n = 1,825	$102 $92 to $104 n = 4,239
90791 Intake evaluation	$152 $148 to $162 n = 4,963	$116 $111 to $140 n = 3,154	$138 $138 to $144 n = 1,817	$162 $141 to $165 n = 4,243
90847 Family therapy, with patient	$102 $97 to $113 n = 4,847	$78 $75 to $88 n = 3,154	$96 one standard rate n = 1,825	$123 $115 to $125 n = 4,239

Marriage and Family Therapists (LMFT)

Code	Aetna	Cigna	UHC (Optum)	Horizon
90837 Therapy, 60 min	$136 $134 to $136 n = 253	$99 $76 to $114 n = 145	$116 $116 to $138 n = 85	$139 $137 to $156 n = 223
90834 Therapy, 45 min	$93 $93 to $107 n = 253	$72 $67 to $80 n = 145	$79 $79 to $99 n = 85	$93 $92 to $104 n = 223
90791 Intake evaluation	$153 $148 to $162 n = 254	$112 $102 to $136 n = 145	$138 $138 to $151 n = 85	$146 $141 to $165 n = 223
90847 Family therapy, with patient	$100 $97 to $113 n = 248	$78 $71 to $87 n = 145	$96 $95 to $96 n = 85	$115 $115 to $125 n = 223

Psychologists

Code	Aetna	Cigna	UHC (Optum)	Horizon
90837 Therapy, 60 min	$136 $136 to $137 n = 963	$128 $99 to $130 n = 618	$154 one standard rate n = 468	$156 $155.56 to $155.98 n = 794
90834 Therapy, 45 min	$93 $93 to $108 n = 990	$92 $78 to $100 n = 618	$105 one standard rate n = 477	$104 $103.74 to $104.10 n = 794
90791 Intake evaluation	$158 $149 to $162 n = 987	$153 $117 to $155 n = 618	$184 one standard rate n = 467	$167 $165 to $167 n = 795
90847 Family therapy, with patient	$97 $97 to $113 n = 937	$100 $85 to $112 n = 618	$109 one standard rate n = 476	$130 $125 to $130 n = 794

Sources

Aetna: Aetna Life Insurance Company (PPO and open access plans), file posted October 5, 2026.
Cigna: Cigna national Open Access Plus network, file posted October 1, 2026.
UnitedHealthcare / Optum: Optum Behavioral Health (UnitedHealthcare behavioral network), file posted October 1, 2026.
Horizon BCBSNJ: Horizon managed care, individual and small group, file posted July 12, 2026.

Allowed amounts, including the patient's share. Rates with modifiers (such as telehealth) are excluded. Cells with fewer than 10 providers are not shown. UnitedHealthcare's behavioral network (Optum) often pays one standard rate statewide, so its range can be a single figure.

Method

Rates come from each payer's Transparency in Coverage in-network files. Clinicians are individual NPIs in the CMS NPPES registry with the license taxonomy and a New Jersey practice location. Each clinician counts once per code and network. Where a payer publishes several networks, the one covering the most New Jersey clinicians for that license and code is shown. The median is the middle negotiated rate across those clinicians, not what any one provider is paid. All states.

Frequently Asked Questions

What does insurance pay therapists in New Jersey for 90837?

For licensed professional counselors (LPC, LMHC) in New Jersey, the median published rate for 90837 (60 minute psychotherapy) was $154 at Horizon BCBSNJ, $136 at Aetna, $116 at UnitedHealthcare / Optum, $104 at Cigna, in payer files posted between July 12, 2026 and October 5, 2026. These are allowed amounts, so they include the patient's share.

Which insurer pays New Jersey therapists the most?

Among the payers we cover, Horizon BCBSNJ had the highest median 90837 rate for licensed professional counselors (LPC, LMHC) in New Jersey ($154) and Cigna the lowest ($104). The order can differ by code and license type, so check the grid for yours.

Where does this data come from?

From each payer's Transparency in Coverage in-network rate files, which federal rules require insurers to publish monthly. PECS keeps individual clinicians with a New Jersey practice location in the CMS NPPES registry and reports the median and the middle half of negotiated rates. It is not what any one provider is paid.

Can I negotiate a higher rate?

Often, yes. If your fee schedule is below the New Jersey median for your license and code, a written, code-specific request that cites the payer's own published rates is a concrete place to start.

See where your own rates sit: compare your fee schedule with these New Jersey rates, free and in two minutes. New to a panel? Start your credentialing with PECS.

Other states: Arizona, California, Florida, New York, Pennsylvania, Texas, Wisconsin.

By the PECS credentialing team. Updated October 2026.