CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Unitypoint Health - Marshalltown

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $175
Cash Discount Price: $261
vs. Medicare Baseline: 0.97x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Unitypoint Health - Marshalltown is $175. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $261. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.97x the Medicare baseline. Located in 55 Unitypoint Way, Marshalltown, IA.

Cash / Self-Pay

$261

Average discount available for prompt cash payment at this facility.

Insurance Median

$175

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: $261 (144%)

Insurance Median: $175 (97%)

Cash: $261 (144% of Medicare)

Ins. Median: $175 (97% 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
Health Partners Open Network	$114 - $282	63%
Blue Cross Blue Shield	$118 - $196	65%
Wellmark Uph Self-Funded	$118 - $196	65%
Aetna	$132 - $258	73%
Molina	$135 - $151	74%
Amerivantage	$138 - $156	76%
Humana	$138 - $156	76%
UnitedHealthcare	$138 - $327	76%
Medica Exchange Inspire	$140	77%
Amerigroup	$156	86%
Iowa Total Care	$156	86%
Medica Exchange Insure	$157	87%
Cigna	$260 - $333	143%

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 $261.
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 Unitypoint Health - Marshalltown 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.