CMS Price Transparency Data

Family therapy session

Facility: University of Miami Hospital and Clinics

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $358
Cash Discount Price: $183
vs. Medicare Baseline: 1.97x Medicare

The contracted insurance negotiated median rate for a Family therapy session at University of Miami Hospital and Clinics is $358. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $183. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.97x the Medicare baseline. Located in 1475 Nw 12Th Ave Suite 2175, Miami, FL.

Cash / Self-Pay

$183

Average discount available for prompt cash payment at this facility.

Insurance Median

$358

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: $183 (101%)

Insurance Median: $358 (197%)

Cash: $183 (101% of Medicare)

Ins. Median: $358 (197% 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
Careplus	$169	93%
Sunshine Health	$169	93%
UnitedHealthcare	$181	100%
Molina Healthcare Of Fl	$183	101%
Amerihealth Caritas Fl	$189	104%
Oscar Health Of Fl	$189	104%
Aetna	$196 - $371	108%
Solis Health	$199	110%
Blue Cross Blue Shield	$203 - $291	112%
Humana	$206	114%
Cigna	$244 - $294	135%
Curative	$358	197%
Avmed	$385 - $439	212%
Employers Health Network	$406	224%
Simply Healthcare	$406	224%
First Health	$439	242%
Health First New York Health Insurance	$439	242%
Broward Health	$473	261%
Beech Street	$541	298%
Dimension Health	$541	298%
Multiplan	$541	298%

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 $183.
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 University of Miami Hospital and Clinics 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.