Skip to main content
States Procedures Methodology Search
CMS Price Transparency Data Hospital file updated: 2026-03-31

Psychotherapy session (60 minutes)

Facility: Mercyone Waterloo Medical Center

Billing Code: 90837 (CPT)

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Near Fair BaseRate Benchmark
$123Fair BaseRate (0.99× Market)
Position vs. 1.00× Fair PriceRight at U.S. Average (0%) 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

This hospital's typical commercial price is $122 compared to the $123 fair price benchmark.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Clinical Quality & ER SpeedChecks whether higher hospital prices actually buy better clinical quality — combining CMS Star Ratings, hospital safety scores, and emergency room wait times.Regional Value Leader
CMS Star Rating4/5 StarsOfficial CMS Overall Hospital Quality Star Rating (1 to 5 stars) summarizing mortality, safety of care, readmissions, and patient experience.
Safety Score78/100Composite patient safety score (0–100) derived from CMS hospital-acquired infection rates (CLABSI, CAUTI, MRSA, C. diff), surgical complications, and HCAHPS surveys.
Typical ER WaitNo ER DataMedian minutes patients spent in the emergency department before leaving from the visit, as reported to CMS Timely and Effective Care.

4-Star CMS clinical quality rating paired with 0.99× fair market pricing.

The BaseRate · fair price high confidence
A fair price for this
$123
about 0.7× the $181 Medicare rate · typically $112–$140
modeled estimate · not a bill or quote
What this hospital charges insurers
$122
About the fair price
about $1 under the fair price · 0.7× Medicare
Medicare pays $181 Fair price $123 This hospital $122 Cash price $321 Hospital's list price $393

How we calculate the fair BaseRate →

How this hospital compares to other IA hospitals

Lowest price of the 9 IA hospitals we have prices for — a strong deal.

Cheapest $122 Priciest $143

Black dot = this hospital, among the 9 IA hospitals with a price for this procedure. Full list below.

A fair price for a Psychotherapy session (60 minutes) is about $123 (about 0.7× the $181 Medicare rate). Mercyone Waterloo Medical Center charges insurers about $122, or about $321 in cash — about the fair price. Located in Waterloo, IA.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

6 of 6 major insurers have a published price at this hospital

UnitedHealthcareBlue Cross Blue ShieldAetnaCignaHumanaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company Price range vs. Medicare
UnitedHealthcaremajor $99 - $410 55%
Blue Cross Blue Shieldmajor $99 - $181 55%
Aetnamajor $99 - $376 55%
Cignamajor $99 - $291 55%
Humanamajor $99 - $215 55%
Kaiser Permanentemajor $151 - $181 83%
Ambetter (Centene) $122 - $171 67%
Clover Health $99 55%
GEHA $286 158%
Health Net $122 - $376 67%
HealthPartners $122 - $269 67%
Medica $291 160%
Medical Mutual $366 202%
Meridian $99 - $122 55%
Molina $122 67%
Oscar Health $357 197%
Paramount $122 67%
Presbyterian $99 - $122 55%
Sanford Health Plan $162 89%
Tufts Health Plan $122 67%
UCare $177 98%
WellMed $99 55%
WellSense $122 67%
+ 358 smaller / regional plans $96 - $410
Government programs also on file: Medicare, Medicaid, Military & VA.
Excludes 17 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Insurance Before you use insurance

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

Enter your details and press estimate to compare.

Facility Profile & Credentials

  • Address: 3421 West Ninth Street, Waterloo, IA 50702
  • CMS Rating: 4 / 5 Stars
  • Ownership Type: Voluntary non-profit - Church
  • Hospital Type: Acute Care Hospitals

Other Procedures at Mercyone Waterloo Medical Center

Compare: Psychotherapy session (60 minutes) at other IA hospitals

Insurance negotiated median for the same procedure, sorted lowest first.

Inline Bill X-Ray & 501(r) Calculator 501(c)(3) Nonprofit · Free Care ≤200% FPL · AGB Cap 36.3%

Audit a Bill or Quote at Mercyone Waterloo Medical Center (Zero PHI Required)

CMS CCN: 160067
CPT 90837
Fair BaseRate™ $123
Medicare Rate $181
Self-Pay Cash $321
Insurer Median $122
Pre-filled with Mercyone Waterloo Medical Center’s charged/list benchmark
Screened against 2026 HHS Federal Poverty Guidelines
2026 FPL: $15,650 + $5,500 per additional person
Step 1 · 501(r) Charity Care Check 501(r) AGB Cap: $143 (274% FPL)

Statutory 501(r) AGB Cap Limits Bill to $143

At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $143).

Step 2 · Cash vs. Insurance Arbitrage Save $72 Paying Cash

Self-Pay Cash Rate ($321) Beats Your Bill

Mercyone Waterloo Medical Center's published 45 CFR § 180 self-pay cash rate is $321 (vs. $122 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target +$270 Above Fair BaseRate

Negotiate Toward $123 Fair BaseRate ($181 Medicare)

Your bill ($393) is $270 above the denoised Fair BaseRate ($123) and 2.2× the $181 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, CPT code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.
CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall4/5 Stars (4/5)

Source: CMS Hospital Care Compare. Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

45 CFR § 180 Primary-Source Lineage & Federal Verification Verified CMS CCN 160067

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (421264647_covenant-medical-center-inc_standardcharges.zip!421264647_Covenant-Medical-Center-Inc_standardcharges.csv) Verify on CMS Medicare.gov (CCN 160067) ↗ CMS HCRIS Cost Reports ↗
Published MRF File421264647_covenant-medical-center-inc_standardcharges.zip!421264647_Covenant-Medical-Center-Inc_standardcharges.csv
Publication / Vintage2026-03-31 · 104.95 MB
Validated Rate Rows10,022,642 (CMS v3.0.0)
File Integrity Digest2585e851ad9115cd49fa…

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy