What insurers actually pay OTs

Compare contracted reimbursement rates for occupational-therapy CPT codes across UnitedHealthcare, Aetna, Cigna, and Medicare — by state. Medicare rates are free; commercial negotiated rates are available to OTConnected Premium members.

Service (CPT)	Payer	National median	Records
97010 Hot or cold packs	Aetna	Members only	1617
97010 Hot or cold packs	Cigna	Members only	23985
97010 Hot or cold packs	UnitedHealthcare	Members only	32655
97012 Mechanical traction	Aetna	Members only	2309
97012 Mechanical traction	Cigna	Members only	25540
97012 Mechanical traction	Medicare	$14.55	109
97012 Mechanical traction	UnitedHealthcare	Members only	31914
97014 Electrical stimulation, unattended	Aetna	Members only	2562
97014 Electrical stimulation, unattended	Cigna	Members only	25788
97014 Electrical stimulation, unattended	UnitedHealthcare	Members only	38098
97016 Vasopneumatic device therapy	Aetna	Members only	1959
97016 Vasopneumatic device therapy	Cigna	Members only	25246
97016 Vasopneumatic device therapy	Medicare	$12.20	109
97016 Vasopneumatic device therapy	UnitedHealthcare	Members only	25446
97032 Electrical stimulation, manual (attended)	Aetna	Members only	2548
97032 Electrical stimulation, manual (attended)	Cigna	Members only	25725
97032 Electrical stimulation, manual (attended)	Medicare	$14.88	109
97032 Electrical stimulation, manual (attended)	UnitedHealthcare	Members only	26693
97035 Ultrasound therapy	Aetna	Members only	2695
97035 Ultrasound therapy	Cigna	Members only	25412
97035 Ultrasound therapy	Medicare	$14.56	109
97035 Ultrasound therapy	UnitedHealthcare	Members only	39281
97039 Unlisted therapeutic modality	Aetna	Members only	1149
97039 Unlisted therapeutic modality	Cigna	Members only	14032
97039 Unlisted therapeutic modality	UnitedHealthcare	Members only	5240
97110 Therapeutic exercise	Aetna	Members only	3896
97110 Therapeutic exercise	Cigna	Members only	28036
97110 Therapeutic exercise	Medicare	$29.39	109
97110 Therapeutic exercise	UnitedHealthcare	Members only	148375
97112 Neuromuscular re-education	Aetna	Members only	3495
97112 Neuromuscular re-education	Cigna	Members only	26212
97112 Neuromuscular re-education	Medicare	$33.10	109
97112 Neuromuscular re-education	UnitedHealthcare	Members only	98680
97129 Cognitive function intervention, initial 15 min	Aetna	Members only	1588
97129 Cognitive function intervention, initial 15 min	Cigna	Members only	48741
97129 Cognitive function intervention, initial 15 min	Medicare	$22.58	109
97129 Cognitive function intervention, initial 15 min	UnitedHealthcare	Members only	36098
97130 Cognitive function intervention, each additional 15 min	Aetna	Members only	1276
97130 Cognitive function intervention, each additional 15 min	Cigna	Members only	33082
97130 Cognitive function intervention, each additional 15 min	Medicare	$21.18	109
97130 Cognitive function intervention, each additional 15 min	UnitedHealthcare	Members only	16668
97140 Manual therapy	Aetna	Members only	3406
97140 Manual therapy	Cigna	Members only	27851
97140 Manual therapy	Medicare	$28.04	109
97140 Manual therapy	UnitedHealthcare	Members only	145696
97150 Group therapeutic procedure	Aetna	Members only	1683
97150 Group therapeutic procedure	Cigna	Members only	25102
97150 Group therapeutic procedure	Medicare	$18.26	109
97150 Group therapeutic procedure	UnitedHealthcare	Members only	22409
97165 OT evaluation, low complexity	Aetna	Members only	2166
97165 OT evaluation, low complexity	Cigna	Members only	28552
97165 OT evaluation, low complexity	Medicare	$101.57	109
97165 OT evaluation, low complexity	UnitedHealthcare	Members only	40673
97166 OT evaluation, moderate complexity	Aetna	Members only	2153
97166 OT evaluation, moderate complexity	Cigna	Members only	28543
97166 OT evaluation, moderate complexity	Medicare	$101.57	109
97166 OT evaluation, moderate complexity	UnitedHealthcare	Members only	23121
97167 OT evaluation, high complexity	Aetna	Members only	1659
97167 OT evaluation, high complexity	Cigna	Members only	28556
97167 OT evaluation, high complexity	Medicare	$101.57	109
97167 OT evaluation, high complexity	UnitedHealthcare	Members only	16023
97168 OT re-evaluation	Aetna	Members only	1642
97168 OT re-evaluation	Cigna	Members only	28288
97168 OT re-evaluation	Medicare	$69.21	109
97168 OT re-evaluation	UnitedHealthcare	Members only	15289
97530 Therapeutic activities	Aetna	Members only	3771
97530 Therapeutic activities	Cigna	Members only	28127
97530 Therapeutic activities	Medicare	$35.50	109
97530 Therapeutic activities	UnitedHealthcare	Members only	118460
97533 Sensory integration	Aetna	Members only	1088
97533 Sensory integration	Cigna	Members only	25620
97533 Sensory integration	Medicare	$61.62	109
97533 Sensory integration	UnitedHealthcare	Members only	15334
97535 Self-care / home management training (ADL)	Aetna	Members only	2985
97535 Self-care / home management training (ADL)	Cigna	Members only	26084
97535 Self-care / home management training (ADL)	Medicare	$32.78	109
97535 Self-care / home management training (ADL)	UnitedHealthcare	Members only	72446
97537 Community / work reintegration training	Aetna	Members only	1158
97537 Community / work reintegration training	Cigna	Members only	25438
97537 Community / work reintegration training	Medicare	$32.43	109
97537 Community / work reintegration training	UnitedHealthcare	Members only	15329
97542 Wheelchair management training	Aetna	Members only	1328
97542 Wheelchair management training	Cigna	Members only	25700
97542 Wheelchair management training	Medicare	$31.41	109
97542 Wheelchair management training	UnitedHealthcare	Members only	16083
97755 Assistive technology assessment	Aetna	Members only	998
97755 Assistive technology assessment	Cigna	Members only	24893
97755 Assistive technology assessment	Medicare	$38.14	109
97755 Assistive technology assessment	UnitedHealthcare	Members only	16028
97760 Orthotic management & training, initial	Aetna	Members only	2502
97760 Orthotic management & training, initial	Cigna	Members only	29293
97760 Orthotic management & training, initial	Medicare	$46.70	109
97760 Orthotic management & training, initial	UnitedHealthcare	Members only	27312
97761 Prosthetic training, initial	Aetna	Members only	1126
97761 Prosthetic training, initial	Cigna	Members only	25944
97761 Prosthetic training, initial	Medicare	$40.91	109
97761 Prosthetic training, initial	UnitedHealthcare	Members only	15977
97763 Orthotic / prosthetic management, subsequent	Aetna	Members only	1686
97763 Orthotic / prosthetic management, subsequent	Cigna	Members only	28655
97763 Orthotic / prosthetic management, subsequent	Medicare	$50.81	109
97763 Orthotic / prosthetic management, subsequent	UnitedHealthcare	Members only	17822

Data as of June 2026. How we compute these rates.

OT reimbursement questions, answered

How much does Medicare pay for an OT evaluation (CPT 97165)?

As of June 2026, the national median Medicare payment for a low-complexity occupational therapy evaluation (CPT 97165) is $101.57, computed from the CMS Physician Fee Schedule across all Medicare localities. State-level medians are available free in the table above.

What do UnitedHealthcare, Aetna, and Cigna pay occupational therapists?

OTConnected aggregates median negotiated rates for common OT CPT codes from each payer's public Transparency-in-Coverage machine-readable files. Commercial medians, including UnitedHealthcare, Aetna, and Cigna, are available to OTConnected Premium subscribers; Medicare rates are free.

Where does this reimbursement data come from?

Three public sources: payer Transparency-in-Coverage machine-readable files (negotiated commercial rates), the CMS Physician Fee Schedule (Medicare rates), and the NPPES registry (mapping providers to states). See the full methodology at https://otconnected.com/transparency/methodology.

How often are these rates updated?

Monthly. Payers republish their Transparency-in-Coverage files each month and CMS updates the fee schedule quarterly; the table shows data as of June 2026.

Are these rates what I will actually be paid?

They are median contracted amounts from public filings — a negotiation benchmark, not a payment guarantee. Your contract, modifiers, and plan specifics determine the final amount. Commercial figures are illustrative samples, flagged when backed by few records.