CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Trinity Muscatine

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $135
Cash Discount Price: $126
vs. Medicare Baseline: 0.74x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Trinity Muscatine is $135. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $126. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.74x the Medicare baseline. Located in 1518 Mulberry Avenue, Muscatine, IA.

Cash / Self-Pay

$126

Average discount available for prompt cash payment at this facility.

Insurance Median

$135

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: $126 (69%)

Insurance Median: $135 (74%)

Cash: $126 (69% of Medicare)

Ins. Median: $135 (74% 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
Blue Cross Blue Shield	$36 - $151	20%
Wellmark Uph Self-Funded	$36 - $132	20%
Health Partners Open Network	$44 - $128	24%
Medica Exchange Inspire	$58	32%
Medica Exchange Insure	$65	36%
Cigna	$86 - $226	47%
Aetna	$89 - $416	49%
Ambetter / Centene	$89 - $237	49%
Health Alliance	$89 - $151	49%
Humana	$94 - $156	52%
Meridian Health Plan	$94 - $156	52%
UnitedHealthcare	$94 - $483	52%
Bc Illinois Community	$127 - $378	70%
Amerigroup	$139	77%
Iowa Total Care	$139	77%

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 $126.
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 Trinity Muscatine 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.