CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Winter Haven Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $230
Cash Discount Price: $197
vs. Medicare Baseline: 1.27x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Winter Haven Hospital is $230. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $197. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.27x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$197

Average discount available for prompt cash payment at this facility.

Insurance Median

$230

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: $197 (109%)

Insurance Median: $230 (127%)

Cash: $197 (109% of Medicare)

Ins. Median: $230 (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
Molina	$59 - $194	33%
Simply Healthcare	$59 - $3,000	33%
Ultimate Health Plan	$98	54%
Avmed	$102 - $161	56%
Blue Cross Blue Shield	$105 - $189	58%
Florida Hospital	$151	83%
Aetna	$152 - $3,057	84%
Baycareplus	$161	89%
Careplus	$164	90%
Evolutions	$164 - $305	90%
Humana	$168 - $2,971	93%
Cigna	$173 - $285	95%
UnitedHealthcare	$173 - $2,914	95%
Freedom	$176	97%
Optimum	$176	97%
Solis Health	$177	98%
Health First	$185	102%
Wellcare	$226	125%
Multiplan	$262	144%
First Health	$279	154%
Ambetter / Centene	$328 - $411	181%
United Behavioral Health	$328	181%
Clear Health Alliance	$2,886	1591%
Freedom Health	$3,000	1654%
Molina Healthcare	$3,000	1654%
Sunshine Health	$3,000	1654%
Florida Community Care	$3,143	1733%

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 $197.
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 Winter Haven Hospital 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.