CMS Price Transparency Data
Psychotherapy session (45 minutes)
Facility: Mercyone Waterloo Medical Center
Billing Code: 90834 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 90834
- Insurance Median: $89
- Cash Discount Price: $251
- vs. Medicare Baseline: 0.49x Medicare
The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Mercyone Waterloo Medical Center is $89. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $251. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.49x the Medicare baseline. Located in 3421 West Ninth Street, Waterloo, IA.
Cash / Self-Pay
$251
Average discount available for prompt cash payment at this facility.
Insurance Median
$89
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: $251 (138%)
Insurance Median: $89 (49%)
Cash: $251 (138% of Medicare)
Ins. Median: $89 (49% 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
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Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Medicaid / KanCare | $53 - $181 | 29% |
| Health Choices | $66 - $132 | 36% |
| Medical Associates | $66 - $152 | 36% |
| Aetna | $67 - $251 | 37% |
| Align Senior Care | $67 - $89 | 37% |
| Ally Align Care Adv | $67 - $89 | 37% |
| American Health Advantage Of Idaho | $67 - $89 | 37% |
| Aurora Special Needs | $67 - $89 | 37% |
| Blue Care Network Advantage | $67 - $89 | 37% |
| Blue Cross Blue Shield | $67 - $181 | 37% |
| Blue Shield - De (Highmark) Medciare Advantage | $67 - $89 | 37% |
| Care Dimensions | $67 - $89 | 37% |
| Care Improvement Plus | $67 - $89 | 37% |
| Care Resources Pace | $67 - $89 | 37% |
| Careplus Health Plans | $67 - $89 | 37% |
| Cca - Zing Health | $67 - $89 | 37% |
| Cca Senior Care Options | $67 - $89 | 37% |
| Central Valley Medical Services Corp Pace | $67 - $89 | 37% |
| Champion Health Plan Mcr Advantage | $67 - $89 | 37% |
| Champva | $67 - $89 | 37% |
| Cigna | $67 - $199 | 37% |
| Clear Spring Health | $67 - $89 | 37% |
| Clover Health | $67 - $89 | 37% |
| Commonwealth Care Alliance | $67 - $89 | 37% |
| Community Pace At Home | $67 - $89 | 37% |
| Eddy Senior Care-Pace | $67 - $89 | 37% |
| Eddy Seniorcare Pace | $67 - $89 | 37% |
| Elementcare | $67 - $89 | 37% |
| Evercare | $67 - $89 | 37% |
| Everence | $67 - $89 | 37% |
| Gateway Health Plan | $67 - $89 | 37% |
| Genesys Pace Of Genesee County | $67 - $89 | 37% |
| Georgia Health Advantage | $67 - $89 | 37% |
| Gold Advantage | $67 - $89 | 37% |
| Gpa Croell Redi Mix | $67 - $89 | 37% |
| Health America Advantra | $67 - $89 | 37% |
| Highmark Health Options Dual Plan | $67 - $89 | 37% |
| Hope Select Pace | $67 - $89 | 37% |
| Horizon Nj Total Care | $67 - $89 | 37% |
| Hudson Headwaters Pace | $67 - $89 | 37% |
| Humana | $67 - $146 | 37% |
| Huron Valley Pace | $67 - $89 | 37% |
| Innovative Integrated Health Community Plans | $67 - $89 | 37% |
| Johns Hopkins Advantage Md | $67 - $89 | 37% |
| Lasso Healthcare Msa | $67 - $89 | 37% |
| Life St Marys Pace | $67 - $89 | 37% |
| Lifecircles Pace | $67 - $89 | 37% |
| Longevity Health Plan | $67 - $89 | 37% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $67 - $89 | 37% |
| Martins Point Generations Advantage | $67 - $89 | 37% |
| Mass General Brigham Mcr Adv | $67 - $89 | 37% |
| Medicare (plans) | $67 - $95 | 37% |
| Medipak Advantage | $67 - $89 | 37% |
| Mercy Life | $67 - $89 | 37% |
| Mercyone Cedar Valley | $67 - $89 | 37% |
| Meridian Complete | $67 - $89 | 37% |
| Michigan Complete Health | $67 - $89 | 37% |
| Nascentia Health Plus | $67 - $89 | 37% |
| New Centry Health Careplus | $67 - $89 | 37% |
| Osu Prime Care Advantage | $67 - $89 | 37% |
| Pace Cny | $67 - $89 | 37% |
| Pace Iowa Immanuel Pathways | $67 - $89 | 37% |
| Pace Of Southwest Michigan | $67 - $89 | 37% |
| Pace Southeast | $67 - $89 | 37% |
| Pace-Trinity Health | $67 - $89 | 37% |
| Peak Pace Solutions | $67 - $89 | 37% |
| Perennial Advantage | $67 - $89 | 37% |
| Preferred Care Partners | $67 - $89 | 37% |
| Presbyterian Senior Plan | $67 - $89 | 37% |
| Provider Partners Health Plan Of Illinois | $67 - $89 | 37% |
| Provider Partners Health Plan Of Indiana | $67 - $89 | 37% |
| Pruitthealth Premier | $67 - $89 | 37% |
| Reliance Community Care Partners Care Resources Pace | $67 - $89 | 37% |
| Rx Allwin | $67 - $89 | 37% |
| Rx Grane Grnmedd | $67 - $89 | 37% |
| Rx Retiree Rx Care | $67 - $89 | 37% |
| Scan Health Plan Mcr Ipa Meritage Oon | $67 - $89 | 37% |
| Secure Horizons Ma Pffs | $67 - $89 | 37% |
| Serenity Pace | $67 - $89 | 37% |
| Siouxland Pace | $67 - $89 | 37% |
| Solis Health Plans | $67 - $89 | 37% |
| Sunnyview-Pace Finance Dept | $67 - $89 | 37% |
| Texan Plus | $67 - $89 | 37% |
| The Health Plan | $67 - $89 | 37% |
| Thome Pace | $67 - $89 | 37% |
| Todays Options | $67 - $89 | 37% |
| Tribute Health Plans | $67 - $89 | 37% |
| Tricare | $67 - $89 | 37% |
| Triwest Health Alliance | $67 - $89 | 37% |
| Um Health Advantage | $67 - $89 | 37% |
| Union Health Service | $67 - $89 | 37% |
| UnitedHealthcare | $67 - $280 | 37% |
| Us Family Health Plan | $67 - $89 | 37% |
| Veterans Eval Services | $67 - $89 | 37% |
| Welbe Health | $67 - $89 | 37% |
| Wellmed | $67 - $89 | 37% |
| Iowa Health Advantage | $70 - $94 | 39% |
| American Health Plan | $80 | 44% |
| Albany County Correctional Facility | $83 | 46% |
| Ambetter / Centene | $83 - $155 | 46% |
| Amish Mennonite | $83 | 46% |
| Ascension St. Vincent Public Safety Medical | $83 | 46% |
| Bcccp-Michigan | $83 | 46% |
| Bccp | $83 | 46% |
| Bmc Healthnet | $83 | 46% |
| Breast Grant-Connecticut | $83 | 46% |
| Broward County Dept Of Health | $83 | 46% |
| California Health And Wellness | $83 | 46% |
| Can Community Health Inc | $83 | 46% |
| Cardinal Innovations Lme | $83 | 46% |
| Care Connections Of Northern Iowa | $83 | 46% |
| Care Oregon Ohp | $83 | 46% |
| Cencal Health Plan | $83 | 46% |
| Cenpatico | $83 | 46% |
| Chhuny | $83 | 46% |
| Childrens Comm Health Plan | $83 | 46% |
| Childrens Medical Services Title 19 | $83 | 46% |
| City Of Philadelphia | $83 | 46% |
| Cmh Allegan County | $83 | 46% |
| Cmh Ausable Valley | $83 | 46% |
| Cmh Barry County | $83 | 46% |
| Cmh Bay-Arenac County | $83 | 46% |
| Cmh Berrien County | $83 | 46% |
| Cmh Cass County | $83 | 46% |
| Cmh Central Mi County | $83 | 46% |
| Cmh Clinton-Eaton-Ingham County | $83 | 46% |
| Cmh Detroit Wayne Integrated Health Network | $83 | 46% |
| Cmh Genesee County | $83 | 46% |
| Cmh Ionia County | $83 | 46% |
| Cmh Jackson County/Lifeways | $83 | 46% |
| Cmh Kalamazoo | $83 | 46% |
| Cmh Kent County | $83 | 46% |
| Cmh Lenawee County | $83 | 46% |
| Cmh Livingston County | $83 | 46% |
| Cmh Macomb | $83 | 46% |
| Cmh Misc | $83 | 46% |
| Cmh Monroe County | $83 | 46% |
| Cmh Montcalm County | $83 | 46% |
| Cmh Muskegon County | $83 | 46% |
| Cmh Newaygo County | $83 | 46% |
| Cmh North Country | $83 | 46% |
| Cmh Northern Lakes County | $83 | 46% |
| Cmh Oakland County | $83 | 46% |
| Cmh Ottawa County | $83 | 46% |
| Cmh Van Buren County | $83 | 46% |
| Cmh Washtenaw County | $83 | 46% |
| Cmh Wayne County/Carelink | $83 | 46% |
| Cmh Wayne Cty/Com Liv Svcs | $83 | 46% |
| Cmh West Mi County | $83 | 46% |
| Community Benefit Health | $83 | 46% |
| Community Care Behavorial Health | $83 | 46% |
| Community Care Partners | $83 | 46% |
| Community Health Choice | $83 | 46% |
| Connections Csp | $83 | 46% |
| County Coroner | $83 | 46% |
| County Funding Generic | $83 | 46% |
| Covid19 Hrsa Uninsured Testing And Treatment Fund | $83 | 46% |
| Dean Wi Badgercare | $83 | 46% |
| Delaware County Department Of Health | $83 | 46% |
| Delaware First Health | $83 | 46% |
| Delta Dental Nj | $83 | 46% |
| Dph Tb Program | $83 | 46% |
| Dscc | $83 | 46% |
| Eastpointe Lme | $83 | 46% |
| Family Health Network | $83 | 46% |
| Freedom First Healthcare | $83 | 46% |
| Fresno County Ccs | $83 | 46% |
| Ghc Scw Wi Badgercare | $83 | 46% |
| Harbor Health | $83 | 46% |
| Health Safety Net | $83 | 46% |
| Healthy Blue Ne | $83 | 46% |
| Hennepin Health | $83 | 46% |
| Id County Ada | $83 | 46% |
| Id County Canyon | $83 | 46% |
| Id County Cat Fund | $83 | 46% |
| Id County Other | $83 | 46% |
| Id County Payette | $83 | 46% |
| Idaho Dept Health And Wellfare | $83 | 46% |
| Idaho Womens Health Check | $83 | 46% |
| Indiana Breast Cervical Cancer | $83 | 46% |
| Inland Empire Health Plan | $83 | 46% |
| Intercommunity Health Ohp | $83 | 46% |
| Jai Medical System | $83 | 46% |
| Kern Family Health Plan | $83 | 46% |
| Keystone First | $83 | 46% |
| Keystone First Chip | $83 | 46% |
| La Care Health Plan | $83 | 46% |
| Lakeland Care Inc | $83 | 46% |
| Managed Health Services - Indiana | $83 | 46% |
| Maryland Breast & Cervical Program | $83 | 46% |
| Maryland Healthy Smiles - Scion Dental | $83 | 46% |
| Maryland Physicians Care | $83 | 46% |
| Massachusetts Behavioral Health Partnership | $83 | 46% |
| Mdwise | $83 | 46% |
| Medi-Cal | $83 | 46% |
| Medi-Cal Healthnet | $83 | 46% |
| Medstar Dc Healthy Family | $83 | 46% |
| Medstar Md Health Choice | $83 | 46% |
| Mo Home State Health Plan | $83 | 46% |
| Molina Centennial Care | $83 | 46% |
| Nascentia Health Options | $83 | 46% |
| New York Cancer Services Program | $83 | 46% |
| Nextlevel Health | $83 | 46% |
| Oregon Screenwise | $83 | 46% |
| Paramount Advantage | $83 | 46% |
| Parkland Community Health Plan | $83 | 46% |
| Partners Behavioral Lme | $83 | 46% |
| Peach State Healthplan | $83 | 46% |
| Philadelphia County Funding | $83 | 46% |
| Presbyterian Centennial Care | $83 | 46% |
| Prestige Health Choice | $83 | 46% |
| Priority Partners | $83 | 46% |
| Robert F Sing Program | $83 | 46% |
| Rx 340B Pass Along | $83 | 46% |
| Rx Assistance/Rx Manufacturer Assistance 0 Copay | $83 | 46% |
| Rx Medi-Cal | $83 | 46% |
| Rx Meridian Rx | $83 | 46% |
| Ryan White Florida Mssrp | $83 | 46% |
| Sandhills Center Lme | $83 | 46% |
| Screening For Life | $83 | 46% |
| St Joseph County Hlth Dpt | $83 | 46% |
| Sunshine State Health Plan | $83 | 46% |
| Superior Health | $83 | 46% |
| Tenncare | $83 | 46% |
| Texas Children'S Health Plan | $83 | 46% |
| Trillium Community Ohp | $83 | 46% |
| Tufts Health Public Plans | $83 | 46% |
| Vaya Health Lme | $83 | 46% |
| Veterans Administration | $83 - $91 | 46% |
| Washtenaw Health Plan | $83 | 46% |
| Wellsense Health Plan | $83 | 46% |
| Wi Womens Wellness | $83 | 46% |
| Iowa Total Care | $85 | 47% |
| Wellpoint | $85 | 47% |
| Wc Corvel | $86 | 47% |
| Amish Hospital Aid | $91 - $121 | 50% |
| Naphcare | $92 - $123 | 51% |
| Naphcare Correctional | $92 - $123 | 51% |
| Amps | $98 | 54% |
| Bcn Domestic | $102 - $181 | 56% |
| Blue Benefit Administrators Of Massachusetts | $102 - $181 | 56% |
| Blue Care Network | $102 - $181 | 56% |
| Blue Distinction Transplant | $102 - $181 | 56% |
| Blue Shield - Ca | $102 - $181 | 56% |
| Blue Shield - Id (Regence) | $102 - $181 | 56% |
| Blue Shield - Ny Highmark Northeastern | $102 - $181 | 56% |
| Blue Shield - Ny Highmark Western | $102 - $181 | 56% |
| Blue Shield - Pa (Highmark) | $102 - $181 | 56% |
| Blue Shield - Wa (Regence) | $102 - $181 | 56% |
| Health Partners | $102 - $185 | 56% |
| Kaiser Domestic | $102 - $181 | 56% |
| Pre-Employment | $102 - $181 | 56% |
| Wc Domestic | $102 - $181 | 56% |
| Avera | $103 - $137 | 57% |
| Sanford Health Plan | $110 - $147 | 61% |
| Preferred Health Choice | $114 - $152 | 63% |
| Stephenson Cty Health | $116 | 64% |
| Ucare | $120 - $160 | 66% |
| Lucent Health | $123 - $250 | 68% |
| Allied Benefit Systems | $126 - $250 | 69% |
| Auxiant | $126 - $199 | 69% |
| First Choice Health | $126 | 69% |
| Group Administrators | $126 | 69% |
| Health Smart | $126 - $168 | 69% |
| Midlands | $126 - $199 | 69% |
| Midlands Choice | $126 - $199 | 69% |
| Meritain | $132 - $250 | 73% |
| Usa Managed Care | $132 - $176 | 73% |
| Nebraska Total Care | $134 - $161 | 74% |
| Claimdoc | $143 - $190 | 79% |
| The Alliance | $143 - $233 | 79% |
| Preferred One | $150 - $177 | 83% |
| Global Excel | $154 - $206 | 85% |
| Velocity | $160 - $214 | 88% |
| Newton Correctional Facility | $163 | 90% |
| Quiktrip | $163 - $217 | 90% |
| Centivo | $177 | 98% |
| Genex Wc | $188 | 104% |
| Geha | $191 - $225 | 105% |
| Medica | $199 | 110% |
| Wc Align Network | $201 | 111% |
| Wc Praxis Health Network | $213 | 117% |
| Wc Reny Company | $218 | 120% |
| Wc Velocity | $218 | 120% |
| Auto Velocity | $226 | 125% |
| Multiplan | $226 | 125% |
| Wc O'Hara Corp | $226 | 125% |
| Oscar | $241 - $251 | 133% |
| Asr Health Benefits | $250 | 138% |
| Christian Brother Services | $250 | 138% |
| Coventry | $250 | 138% |
| First Health | $250 | 138% |
| Luminare Health | $250 | 138% |
| Medical Mutual | $250 | 138% |
| Webtpa | $250 | 138% |
| Andrie Inc | $251 | 138% |
| East Greenbush Central School District | $251 | 138% |
| Healthsmart Workers Comp | $251 | 138% |
| Iowa Dept Of Public Health | $251 - $280 | 138% |
| Jag Source | $251 | 138% |
| New York State Insurance Fund | $251 | 138% |
| Njm Insurance Group | $251 | 138% |
| Rx Heatlhcomp | $251 | 138% |
| Rx Restat | $251 | 138% |
| Rx Saif Opdp Wc | $251 | 138% |
| Rx Worker'S Comp | $251 | 138% |
| Wc Accident Fund | $251 | 138% |
| Wc Ace | $251 | 138% |
| Wc Acs Federal Employees | $251 | 138% |
| Wc Acuity | $251 | 138% |
| Wc Advantage | $251 | 138% |
| Wc Aegis | $251 | 138% |
| Wc Aig | $251 | 138% |
| Wc Aims | $251 | 138% |
| Wc Alaska National Ins | $251 | 138% |
| Wc Allied | $251 | 138% |
| Wc Am Trust N America | $251 | 138% |
| Wc American Claims Mgmt | $251 | 138% |
| Wc Amerisure | $251 | 138% |
| Wc Amtrust | $251 | 138% |
| Wc Asu Risk Mgt | $251 | 138% |
| Wc Benetech | $251 | 138% |
| Wc Berkley Admin | $251 | 138% |
| Wc Broadspire | $251 | 138% |
| Wc Broward County | $251 | 138% |
| Wc Bunch & Associates | $251 | 138% |
| Wc California State Comp Ins | $251 | 138% |
| Wc California State Ins Fund | $251 | 138% |
| Wc Capitol Area Health Consortium | $251 | 138% |
| Wc Ccmsi | $251 | 138% |
| Wc Chartis | $251 | 138% |
| Wc Chubb | $251 | 138% |
| Wc Cirma | $251 | 138% |
| Wc City Of Albany | $251 | 138% |
| Wc City Of Sioux City | $251 | 138% |
| Wc Claims Mgmt Inc | $251 | 138% |
| Wc Cna | $251 | 138% |
| Wc Comp One Admin C/O Manageability | $251 | 138% |
| Wc Compone Admin | $251 | 138% |
| Wc Ct Healthcare Trust | $251 | 138% |
| Wc Donegal Insurance Group | $251 | 138% |
| Wc Emc Insurance Company | $251 | 138% |
| Wc Employee Mutual | $251 | 138% |
| Wc Enablecomp | $251 | 138% |
| Wc Encore Health Network | $251 | 138% |
| Wc Erie | $251 | 138% |
| Wc Esis | $251 | 138% |
| Wc Evolutions | $251 | 138% |
| Wc Fcci | $251 | 138% |
| Wc Fed Ex | $251 | 138% |
| Wc Federal Black Lung | $251 | 138% |
| Wc Federated | $251 | 138% |
| Wc Finley Occupational Health | $251 | 138% |
| Wc First Agency/Occunet | $251 | 138% |
| Wc Ford Motor | $251 | 138% |
| Wc Fresno Unified Emp | $251 | 138% |
| Wc Gallagher Bassett | $251 | 138% |
| Wc General Motors | $251 | 138% |
| Wc Generic | $251 | 138% |
| Wc Genex Care For Ohio | $251 | 138% |
| Wc Great West Casualty | $251 | 138% |
| Wc Guarantee Insurance | $251 | 138% |
| Wc Guard Insurance Company | $251 | 138% |
| Wc Hab | $251 | 138% |
| Wc Hartford | $251 | 138% |
| Wc Hastings | $251 | 138% |
| Wc Health Management | $251 | 138% |
| Wc Heritage Summit | $251 | 138% |
| Wc Hireright | $251 | 138% |
| Wc Horizon | $251 | 138% |
| Wc Icw Group | $251 | 138% |
| Wc Idaho State Ins Fund | $251 | 138% |
| Wc Intercare Insurance | $251 | 138% |
| Wc Intermountain | $251 | 138% |
| Wc Johns Eastern | $251 | 138% |
| Wc Kemberton | $251 | 138% |
| Wc Key Ins & Benefit Solutions | $251 | 138% |
| Wc Liberty Mutual | $251 | 138% |
| Wc Mac Risk Management | $251 | 138% |
| Wc Massachusetts | $251 | 138% |
| Wc Mdia | $251 | 138% |
| Wc Meadowbrook Claim | $251 | 138% |
| Wc Medical Administrators | $251 | 138% |
| Wc Meijers | $251 | 138% |
| Wc Memic | $251 | 138% |
| Wc Mercy Workcare | $251 | 138% |
| Wc Michigan | $251 | 138% |
| Wc Michigan Millers Mutual | $251 | 138% |
| Wc Mitchell Frankenmuth | $251 | 138% |
| Wc Mra | $251 | 138% |
| Wc Nationwide | $251 | 138% |
| Wc Nca Comp | $251 | 138% |
| Wc New York | $251 | 138% |
| Wc New York Special Funds | $251 | 138% |
| Wc North American Rishces | $251 | 138% |
| Wc Northeast Health | $251 | 138% |
| Wc Notre Dame | $251 | 138% |
| Wc Novanet | $251 | 138% |
| Wc Occ Health Allen | $251 | 138% |
| Wc Ohio Bureau | $251 | 138% |
| Wc One Call Medical | $251 | 138% |
| Wc Paradigm | $251 | 138% |
| Wc Peerless | $251 | 138% |
| Wc Pma | $251 | 138% |
| Wc Price Chopper | $251 | 138% |
| Wc Procura Management | $251 | 138% |
| Wc Qualcare | $251 | 138% |
| Wc Quiktrip | $251 | 138% |
| Wc Rev Claims | $251 | 138% |
| Wc Risico | $251 | 138% |
| Wc Rural Mutual | $251 | 138% |
| Wc Saif Oregon | $251 | 138% |
| Wc Secura | $251 | 138% |
| Wc Sedgwick | $251 | 138% |
| Wc Sentry | $251 | 138% |
| Wc Sheakley Unicomp | $251 | 138% |
| Wc Smile Lodge | $251 | 138% |
| Wc Society | $251 | 138% |
| Wc Srs | $251 | 138% |
| Wc Taconic (Mro) | $251 | 138% |
| Wc Taconic Farms | $251 | 138% |
| Wc Travelers | $251 | 138% |
| Wc Triad Group | $251 | 138% |
| Wc Tristar | $251 | 138% |
| Wc Troy Ny | $251 | 138% |
| Wc Tyson | $251 | 138% |
| Wc Unified Health Services | $251 | 138% |
| Wc United Heartland | $251 | 138% |
| Wc Us Dept Of Labor | $251 | 138% |
| Wc Walmart | $251 | 138% |
| Wc West Bend | $251 | 138% |
| Wc West Bend Mutual/Argent | $251 | 138% |
| Wc Winnebago Industries | $251 | 138% |
| Wc Yankee Trails | $251 | 138% |
| Wc York Risk | $251 | 138% |
| Wc Zenith | $251 | 138% |
| Wc Zurich | $251 | 138% |