CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: HCA Florida Largo Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $194
Cash Discount Price: $948
vs. Medicare Baseline: 1.07x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at HCA Florida Largo Hospital is $194. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $948. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.07x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$948

Average discount available for prompt cash payment at this facility.

Insurance Median

$194

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: $948 (523%)

Insurance Median: $194 (107%)

Cash: $948 (523% of Medicare)

Ins. Median: $194 (107% 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	$38 - $51	21%
Aetna	$56 - $323	31%
Access 2 Healthcare Physicians Freedom Health	$59 - $78	33%
Access 2 Healthcare Physicians Optimum	$59 - $78	33%
Freedom Health Care	$64 - $84	35%
Optimum Healthcare	$64 - $84	35%
Avmed	$65 - $269	36%
Suncoast Neighborly Care	$65 - $86	36%
Corvel Corporation	$89 - $228	49%
Rockport Healthcare Group	$89 - $228	49%
Prime Health	$91 - $233	50%
Simply Healthcare	$104 - $166	57%
Oscar	$123 - $162	68%
United	$134 - $485	74%
Cigna	$147 - $194	81%
Molina	$155 - $291	85%
Humana	$229 - $302	126%
Plotkin Health	$409 - $539	226%
Prime Health Sheriff	$409 - $539	226%
Evolutions Healthcare Systems	$450 - $991	248%
Emerging Therapy Solutions	$548 - $722	302%
Multiplan	$614 - $916	339%
UnitedHealthcare	$818 - $1,077	451%

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 $948.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90834.

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 90834.
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.