CMS Price Transparency Data

Family therapy session

Facility: HCA Florida Largo Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $207
Cash Discount Price: $1,010
vs. Medicare Baseline: 1.14x Medicare

The contracted insurance negotiated median rate for a Family therapy session at HCA Florida Largo Hospital is $207. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,010. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.14x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$1,010

Average discount available for prompt cash payment at this facility.

Insurance Median

$207

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: $1,010 (557%)

Insurance Median: $207 (114%)

Cash: $1,010 (557% of Medicare)

Ins. Median: $207 (114% 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
Access 2 Healthcare Physicians Freedom Optimum Group Members	$36 - $59	20%
Aetna	$53 - $374	29%
Access 2 Healthcare Physicians Freedom Health	$56 - $90	31%
Access 2 Healthcare Physicians Optimum	$56 - $90	31%
Freedom Health Care	$60 - $97	33%
Optimum Healthcare	$60 - $97	33%
Avmed	$62 - $311	34%
Suncoast Neighborly Care	$62 - $100	34%
Simply Healthcare	$98 - $192	54%
Corvel Corporation	$112 - $228	62%
Rockport Healthcare Group	$112 - $228	62%
Prime Health	$114 - $233	63%
Oscar	$116 - $187	64%
United	$127 - $561	70%
Cigna	$140 - $224	77%
Molina	$147 - $336	81%
Humana	$217 - $349	120%
Plotkin Health	$387 - $623	213%
Prime Health Sheriff	$387 - $623	213%
Evolutions Healthcare Systems	$426 - $1,146	235%
Emerging Therapy Solutions	$519 - $835	286%
Multiplan	$581 - $1,059	320%
UnitedHealthcare	$775 - $1,246	427%

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 $1,010.
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 HCA Florida Largo 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.