CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Adventist Health Howard Memorial

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $157
Cash Discount Price: $72
vs. Medicare Baseline: 0.87x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Adventist Health Howard Memorial is $157. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $72. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.87x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$72

Average discount available for prompt cash payment at this facility.

Insurance Median

$157

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$181.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $181.34 (100%)

Cash / Self-Pay: $72 (40%)

Insurance Median: $157 (87%)

Cash: $72 (40% of Medicare)

Ins. Median: $157 (87% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $181.34 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
Blue Shield Mcare	$46 - $94	25%
Tricare	$46 - $94	25%
Medicare (plans)	$47 - $94	26%
UnitedHealthcare	$51 - $186	28%
Medi-Cal	$67 - $96	37%
Cigna	$95 - $205	52%
Ah Employee Health Plan - All Plans	$103 - $125	57%
Aetna	$110 - $162	61%
Western Growers/Pinnacle - All Plans	$134 - $181	74%
Healthnet - All Plans	$136 - $198	75%
Blue Cross Blue Shield	$150 - $198	83%
Blue Shield - All Other Plans	$158 - $186	87%
Blue Shield Epn	$158 - $165	87%
First Health Ppo - All Plans	$185 - $193	102%
Ghn Ppo - All Plans	$185 - $193	102%
Brms - All Plans	$196 - $227	108%

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 $72.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90834.

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 90834.
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.