CMS Price Transparency Data

Family therapy session

Facility: Winter Haven Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $196
Cash Discount Price: $150
vs. Medicare Baseline: 1.08x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Winter Haven Hospital is $196. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $150. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.08x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$150

Average discount available for prompt cash payment at this facility.

Insurance Median

$196

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: $150 (83%)

Insurance Median: $196 (108%)

Cash: $150 (83% of Medicare)

Ins. Median: $196 (108% 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
Molina	$45 - $148	25%
Simply Healthcare	$45 - $360	25%
Ultimate Health Plan	$75	41%
Avmed	$78 - $122	43%
Blue Cross Blue Shield	$80 - $161	44%
Florida Hospital	$115	63%
Aetna	$116 - $367	64%
Evolutions	$125 - $232	69%
Cigna	$132 - $218	73%
UnitedHealthcare	$133 - $350	73%
Baycareplus	$161	89%
Careplus	$164	90%
Humana	$168 - $357	93%
Freedom	$176	97%
Optimum	$176	97%
Solis Health	$177	98%
Health First	$185	102%
Multiplan	$200	110%
First Health	$212	117%
Wellcare	$226	125%
Ambetter / Centene	$250 - $411	138%
United Behavioral Health	$250	138%
Clear Health Alliance	$347	191%
Freedom Health	$360	199%
Molina Healthcare	$360	199%
Sunshine Health	$360	199%
Florida Community Care	$377	208%

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 $150.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90847.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Winter Haven Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90847.
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.