CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Pocahontas Community Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $829
Cash Discount Price: $868
vs. Medicare Baseline: 4.57x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Pocahontas Community Hospital is $829. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $868. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 4.57x the Medicare baseline. Located in 606 N W 7Th Street, Pocahontas, IA.

Cash / Self-Pay

$868

Average discount available for prompt cash payment at this facility.

Insurance Median

$829

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: $868 (479%)

Insurance Median: $829 (457%)

Cash: $868 (479% of Medicare)

Ins. Median: $829 (457% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 457% of the Medicare baseline (a markup of 357%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Molina	$434 - $868	239%
Wellpoint	$469 - $868	259%
Iowa Total Care	$483 - $868	266%
Aetna	$521 - $868	287%
Blue Cross Blue Shield	$556 - $868	307%
Health Partners	$819 - $825	452%
Humana	$825 - $868	455%
UnitedHealthcare	$833	459%
Cigna	$842	464%
Great West	$842	464%

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 $868.
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 Pocahontas Community 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.