CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Lutheran Medical Center

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $229
Cash Discount Price: Unavailable
vs. Medicare Baseline: 1.26x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Lutheran Medical Center is $229. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.26x the Medicare baseline. Located in 8300 W 38Th Ave, Wheat Ridge, CO.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$229

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%)

Insurance Median: $229 (126%)

Ins. Median: $229 (126% 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
Kaiser Perm Hmo	$74 - $168	41%
Kaiser Self Funded	$92 - $168	51%
Kaiser Perm Ppo/Pos	$93 - $174	51%
Allegiance	$100	55%
Cigna	$100 - $400	55%
Aetna	$149 - $359	82%
Blue Cross Blue Shield	$159 - $345	88%
Aarp	$160	88%
Geha	$160 - $232	88%
Preferred One	$160	88%
UnitedHealthcare	$160 - $232	88%
Kaiser Snp	$161	89%
Select Health	$161	89%
Humana	$168	93%
Cofinity	$288	159%
First Health Network	$288	159%
Private Hlthcare Sys	$300	165%
Multiplan Inc	$336	185%
Denv Hlth Med Plan	$420	232%

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 $X.
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 Lutheran Medical Center 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.