Wisconsin Therapist Insurance Rates (2026)

The median rate Aetna, Cigna, UnitedHealthcare / Optum have negotiated with Wisconsin 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 $90 (Cigna) to $122 (Aetna).

Licensed Professional Counselors (LPC, LMHC)

Code	Aetna	Cigna	UHC (Optum)
90837 Therapy, 60 min	$122 $122 to $133 n = 2,249	$90 $62 to $123 n = 2,175	$121 one standard rate n = 1,812
90834 Therapy, 45 min	$84 $82 to $95 n = 2,263	$70 $60 to $101 n = 2,175	$82 one standard rate n = 1,877
90791 Intake evaluation	$132 $132 to $147 n = 2,231	$98 $60 to $137 n = 2,175	$143 one standard rate n = 1,811
90847 Family therapy, with patient	$87 $87 to $102 n = 2,109	$71 $60 to $102 n = 2,175	$82 $82 to $87 n = 1,877

Clinical Social Workers (LCSW)

Code	Aetna	Cigna	UHC (Optum)
90837 Therapy, 60 min	$122 $122 to $136 n = 1,011	$89 $62 to $123 n = 926	$121 one standard rate n = 723
90834 Therapy, 45 min	$88 $82 to $100 n = 1,011	$70 $60 to $101 n = 926	$82 one standard rate n = 768
90791 Intake evaluation	$133 $132 to $148 n = 999	$101 $60 to $137 n = 926	$143 one standard rate n = 723
90847 Family therapy, with patient	$87 $87 to $104 n = 936	$72 $60 to $101 n = 926	$82 $82 to $87 n = 768

Marriage and Family Therapists (LMFT)

Code	Aetna	Cigna	UHC (Optum)
90837 Therapy, 60 min	$127 $122 to $136 n = 151	$93 $62 to $110 n = 147	$121 one standard rate n = 165
90834 Therapy, 45 min	$90 $82 to $108 n = 153	$70 $60 to $101 n = 147	$82 one standard rate n = 169
90791 Intake evaluation	$140 $132 to $148 n = 142	$99 $60 to $131 n = 147	$143 one standard rate n = 165
90847 Family therapy, with patient	$92 $87 to $113 n = 138	$71 $60 to $101 n = 147	$82 $82 to $87 n = 169

Psychologists

Code	Aetna	Cigna	UHC (Optum)
90837 Therapy, 60 min	$122 $122 to $128 n = 329	$94 $80 to $135 n = 353	$161 $161 to $326 n = 422
90834 Therapy, 45 min	$82 $82 to $92 n = 333	$78 $75 to $113 n = 353	$109 $109 to $138 n = 404
90791 Intake evaluation	$132 $132 to $145 n = 332	$113 $75 to $156 n = 353	$191 $166 to $191 n = 412
90847 Family therapy, with patient	$87 $87 to $97 n = 302	$85 $75 to $116 n = 353	$109 $109 to $138 n = 408

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.

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 Wisconsin practice location. Each clinician counts once per code and network. Where a payer publishes several networks, the one covering the most Wisconsin 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 Wisconsin for 90837?

For licensed professional counselors (LPC, LMHC) in Wisconsin, the median published rate for 90837 (60 minute psychotherapy) was $122 at Aetna, $121 at UnitedHealthcare / Optum, $90 at Cigna, in payer files posted between October 1, 2026 and October 5, 2026. These are allowed amounts, so they include the patient's share.

Which insurer pays Wisconsin therapists the most?

Among the payers we cover, Aetna had the highest median 90837 rate for licensed professional counselors (LPC, LMHC) in Wisconsin ($122) and Cigna the lowest ($90). 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 Wisconsin 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 Wisconsin 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 Wisconsin rates, free and in two minutes. New to a panel? Start your credentialing with PECS.

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

By the PECS credentialing team. Updated October 2026.