CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Straub Clinic and Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $42
Cash Discount Price: $31
vs. Medicare Baseline: 0.23x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Straub Clinic and Hospital is $42. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $31. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.23x the Medicare baseline. Located in 888 S King Street, Honolulu, HI.

Cash / Self-Pay

$31

Average discount available for prompt cash payment at this facility.

Insurance Median

$42

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: $31 (17%)

Insurance Median: $42 (23%)

Cash: $31 (17% of Medicare)

Ins. Median: $42 (23% 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
Calvos	$38	21%
Mimoh	$38	21%
Hcha	$41 - $358	23%
Hwmg/Hmaa	$41	23%
Kaiser	$41	23%
Mdx	$41 - $190	23%
Multiplan	$41 - $43	23%
Verdegard	$41	23%
UnitedHealthcare	$110	61%
Ohana	$142 - $229	78%
Alohacare	$190	105%
Hmsa	$190	105%
Devoted	$200	110%

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 $31.
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 Straub Clinic and 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.