CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: HCA Florida Osceola Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $237
Cash Discount Price: $973
vs. Medicare Baseline: 1.31x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at HCA Florida Osceola Hospital is $237. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $973. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.31x the Medicare baseline. Located in 700 West Oak Street, Kissimmee, FL.

Cash / Self-Pay

$973

Average discount available for prompt cash payment at this facility.

Insurance Median

$237

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: $973 (537%)

Insurance Median: $237 (131%)

Cash: $973 (537% of Medicare)

Ins. Median: $237 (131% 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
Freedom Health	$70	39%
Optimum	$70	39%
Avmed	$78 - $487	43%
Corvel Corporation	$134 - $225	74%
Prime Health	$137 - $230	76%
Careworks (Rockport Community)	$141 - $237	78%
Simply	$150	83%
Oscar	$156	86%
Simply Healthcare	$163	90%
Cigna	$169	93%
Molina Healthcare	$185 - $263	102%
Aetna	$193 - $292	106%
Humana	$272	150%
United	$325 - $438	179%
Plotkin Health	$487	269%
Prime Health Sheriff	$487	269%
Multiplan	$730 - $827	403%
Ppo Next	$827	456%
Novanet	$876	483%

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 $973.
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 HCA Florida Osceola 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.