CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Adventist Health Mendocino Coast

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $231
Cash Discount Price: $243
vs. Medicare Baseline: 1.27x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Adventist Health Mendocino Coast is $231. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $243. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.27x the Medicare baseline. Located in 700 River Drive, Fort Bragg, CA.

Cash / Self-Pay

$243

Average discount available for prompt cash payment at this facility.

Insurance Median

$231

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: $243 (134%)

Insurance Median: $231 (127%)

Cash: $243 (134% of Medicare)

Ins. Median: $231 (127% 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 Cross Blue Shield	$21	12%
Medi-Cal	$132	73%
Cigna	$138	76%
Tricare	$138	76%
UnitedHealthcare	$138 - $161	76%
Ah Employee Health Plan - All Plans	$152	84%
Partnership Hp Mcal-All Plans	$191	105%
Healthnet - All Plans	$201	111%
Blue Shield Epn	$224	124%
Blue Shield - All Other Plans	$237	131%
Ahcc - All Plans	$341 - $395	188%
Beech Street - All Plans	$341 - $395	188%
Great West Hmo/Pos/Epo/Oa	$341 - $395	188%
Great West Ppo - All Other Plans	$341 - $395	188%
Multiplan - All Plans	$341 - $395	188%

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 $243.
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 Mendocino Coast 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.