CMS Price Transparency Data

Speech therapy (language evaluation)

Facility: Adventist Health Howard Memorial

Billing Code: 92507 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 92507
Insurance Median: $281
Cash Discount Price: $109
vs. Medicare Baseline: 3.69x Medicare

The contracted insurance negotiated median rate for a Speech therapy (language evaluation) at Adventist Health Howard Memorial is $281. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $109. Compared to the federal Medicare reimbursement reference rate of $76.15, this hospital’s rate is 3.69x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$109

Average discount available for prompt cash payment at this facility.

Insurance Median

$281

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$76.15

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $76.15 (100%)

Cash / Self-Pay: $109 (143%)

Insurance Median: $281 (369%)

Cash: $109 (143% of Medicare)

Ins. Median: $281 (369% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $76.15 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 369% of the Medicare baseline (a markup of 269%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$73	96%
Medicare (plans)	$73	96%
Tricare	$73	96%
UnitedHealthcare	$80 - $281	105%
Medi-Cal	$81	106%
Ah Employee Health Plan - All Plans	$189	248%
Aetna	$244	320%
Western Growers/Pinnacle - All Plans	$272	357%
First Health Ppo - All Plans	$290	381%
Ghn Ppo - All Plans	$290	381%
Healthnet - All Plans	$298	391%
Brms - All Plans	$309	406%
Cigna	$309	406%
Blue Shield Epn	$327	429%
Blue Shield - All Other Plans	$334	439%
Blue Cross Blue Shield	$499 - $598	655%

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 $109.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 92507.

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 92507.
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.