CMS Price Transparency Data

Psychiatric evaluation (first visit)

Facility: HCA Florida Largo Hospital

Billing Code: 90791 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90791
Insurance Median: $205
Cash Discount Price: $1,077
vs. Medicare Baseline: 1.13x Medicare

The contracted insurance negotiated median rate for a Psychiatric evaluation (first visit) at HCA Florida Largo Hospital is $205. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,077. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.13x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$1,077

Average discount available for prompt cash payment at this facility.

Insurance Median

$205

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: $1,077 (594%)

Insurance Median: $205 (113%)

Cash: $1,077 (594% of Medicare)

Ins. Median: $205 (113% 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	$51	28%
Aetna	$74 - $323	41%
Access 2 Healthcare Physicians Freedom Health	$78	43%
Access 2 Healthcare Physicians Optimum	$78	43%
Freedom Health Care	$84	46%
Optimum Healthcare	$84	46%
Avmed	$86 - $269	47%
Suncoast Neighborly Care	$86	47%
Blue Cross Blue Shield	$94 - $226	52%
Truli	$94	52%
Corvel Corporation	$134 - $248	74%
Rockport Healthcare Group	$134 - $248	74%
Prime Health	$137 - $253	76%
Simply Healthcare	$137 - $166	76%
Oscar	$162	89%
United	$177 - $485	98%
Cigna	$194	107%
Molina	$205 - $291	113%
Evolutions Healthcare Systems	$248 - $991	137%
Sunshine State Health Plan	$275	152%
Humana	$302	167%
Beacon Health Options	$539	297%
Plotkin Health	$539	297%
Prime Health Sheriff	$539	297%
Emerging Therapy Solutions	$722	398%
Multiplan	$808 - $916	446%
Evernorth	$862	475%
UnitedHealthcare	$1,077	594%

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 $1,077.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90791.

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 90791.
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.