CMS Price Transparency Data

Group therapy session

Facility: HCA Florida Largo Hospital

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $125
Cash Discount Price: $554
vs. Medicare Baseline: 1.20x Medicare

The contracted insurance negotiated median rate for a Group therapy session at HCA Florida Largo Hospital is $125. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $554. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 1.20x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$554

Average discount available for prompt cash payment at this facility.

Insurance Median

$125

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $554 (534%)

Insurance Median: $125 (120%)

Cash: $554 (534% of Medicare)

Ins. Median: $125 (120% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 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	$26	25%
Corvel Corporation	$30 - $228	29%
Rockport Healthcare Group	$30 - $228	29%
Prime Health	$31 - $233	30%
Aetna	$38 - $166	37%
Access 2 Healthcare Physicians Freedom Health	$40	39%
Access 2 Healthcare Physicians Optimum	$40	39%
Freedom Health Care	$43	41%
Optimum Healthcare	$43	41%
Avmed	$44 - $139	42%
Suncoast Neighborly Care	$44	42%
Simply Healthcare	$70 - $85	67%
Oscar	$83	80%
United	$91 - $249	88%
Cigna	$100	96%
Molina	$105 - $150	101%
Sunshine State Health Plan	$141	136%
Humana	$155	149%
Beacon Health Options	$277	267%
Plotkin Health	$277	267%
Prime Health Sheriff	$277	267%
Evolutions Healthcare Systems	$305 - $510	294%
Emerging Therapy Solutions	$371	357%
Multiplan	$416 - $471	401%
Evernorth	$443	427%
UnitedHealthcare	$554	534%

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 $554.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

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 90853.
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.