CMS Price Transparency Data

Group therapy session

Facility: Adventist Health Howard Memorial

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $32
Cash Discount Price: $22
vs. Medicare Baseline: 0.31x Medicare

The contracted insurance negotiated median rate for a Group therapy session at Adventist Health Howard Memorial is $32. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $22. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 0.31x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$22

Average discount available for prompt cash payment at this facility.

Insurance Median

$32

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $22 (21%)

Insurance Median: $32 (31%)

Cash: $22 (21% of Medicare)

Ins. Median: $32 (31% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Medi-Cal	$14	13%
Blue Shield Mcare	$25	24%
Medicare (plans)	$25	24%
Tricare	$25	24%
UnitedHealthcare	$25 - $32	24%
Ah Employee Health Plan - All Plans	$27	26%
Cigna	$29	28%
Western Growers/Pinnacle - All Plans	$35	34%
Healthnet - All Plans	$36	35%
Aetna	$41	40%
Brms - All Plans	$61	59%
Blue Cross Blue Shield	$64	62%
Blue Shield - All Other Plans	$68	66%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $22.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Adventist Health Howard Memorial is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90853.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.