CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Lower Keys Medical Center

Billing Code: 90834 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$142

about 0.8× the $181 Medicare rate · typically $118–$196

modeled estimate · not a bill or quote

What this hospital charges insurers

$195

Above the fair price

about $53 over the fair price · 1.1× Medicare

Medicare pays $181 Fair price $142 This hospital $195 Cash price $145 Hospital's list price $466

How we calculate the fair BaseRate →

How this hospital compares to other FL hospitals

Highest price of the 9 FL hospitals we have prices for — worth calling around.

Cheapest $57 Priciest $195

Black dot = this hospital, among the 9 FL hospitals with a price for this procedure. Full list below.

A fair price for a Psychotherapy session (45 minutes) is about $142 (about 0.8× the $181 Medicare rate). Lower Keys Medical Center charges insurers about $195, or about $145 in cash — above the fair price. Located in Key West, FL.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $142. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$62 - $230	34%
Blue Cross Blue Shieldmajor	$163 - $466	90%
Aetnamajor	$325	179%
Cignamajor	$275	152%
Humanamajor	$136 - $195	75%
Amerigroup	$145	80%
AvMed	$396	218%
Molina	$149	82%
Simply Healthcare	$145	80%
WellCare	$145	80%
+ 12 smaller / regional plans	$132 - $466

Government programs also on file: Medicare, Medicaid, Military & VA.

Excludes 5 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 145), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 90834.

Insurance Before you use insurance

Call your insurance company to confirm Lower Keys Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 90834.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Lower Keys Medical Center

Compare: Psychotherapy session (45 minutes) at other FL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.