CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: HCA Florida Largo Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $171
Cash Discount Price: $775
vs. Medicare Baseline: 0.94x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at HCA Florida Largo Hospital is $171. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $775. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.94x the Medicare baseline. Located in 201 14Th St Sw, Largo, FL.

Cash / Self-Pay

$775

Average discount available for prompt cash payment at this facility.

Insurance Median

$171

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: $775 (427%)

Insurance Median: $171 (94%)

Cash: $775 (427% of Medicare)

Ins. Median: $171 (94% 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	20%
Aetna	$53 - $232	29%
Access 2 Healthcare Physicians Freedom Health	$56	31%
Access 2 Healthcare Physicians Optimum	$56	31%
Freedom Health Care	$60	33%
Optimum Healthcare	$60	33%
Avmed	$62 - $194	34%
Suncoast Neighborly Care	$62	34%
Simply Healthcare	$98 - $119	54%
Oscar	$116	64%
United	$127 - $349	70%
Corvel Corporation	$134 - $228	74%
Rockport Healthcare Group	$134 - $228	74%
Prime Health	$137 - $233	76%
Cigna	$140	77%
Molina	$147 - $209	81%
Humana	$217	120%
Plotkin Health	$387	213%
Prime Health Sheriff	$387	213%
Evolutions Healthcare Systems	$426 - $713	235%
Emerging Therapy Solutions	$519	286%
Multiplan	$581 - $659	320%
UnitedHealthcare	$775	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 $775.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90837.

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 90837.
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.