CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Adventist Health Howard Memorial

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $205
Cash Discount Price: $102
vs. Medicare Baseline: 1.13x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Adventist Health Howard Memorial is $205. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $102. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.13x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$102

Average discount available for prompt cash payment at this facility.

Insurance Median

$205

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: $102 (56%)

Insurance Median: $205 (113%)

Cash: $102 (56% of Medicare)

Ins. Median: $205 (113% 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	$60 - $138	33%
Medicare (plans)	$60 - $138	33%
Tricare	$60 - $138	33%
UnitedHealthcare	$66 - $264	36%
Medi-Cal	$132 - $141	73%
Cigna	$143 - $290	79%
Aetna	$145 - $229	80%
Ah Employee Health Plan - All Plans	$152 - $177	84%
Blue Cross Blue Shield	$195 - $258	108%
Western Growers/Pinnacle - All Plans	$197 - $256	109%
Healthnet - All Plans	$201 - $280	111%
Blue Shield - All Other Plans	$205 - $237	113%
Blue Shield Epn	$205 - $233	113%
First Health Ppo - All Plans	$239 - $273	132%
Ghn Ppo - All Plans	$239 - $273	132%
Brms - All Plans	$254 - $336	140%

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 $102.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90837.

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 90837.
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.