CMS Price Transparency Data

Speech therapy (group session)

Facility: Gundersen Palmer Lutheran Hospital and Clinics

Billing Code: 92508 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 92508
Insurance Median: $116
Cash Discount Price: $123
vs. Medicare Baseline: 4.82x Medicare

The contracted insurance negotiated median rate for a Speech therapy (group session) at Gundersen Palmer Lutheran Hospital and Clinics is $116. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $123. Compared to the federal Medicare reimbursement reference rate of $24.05, this hospital’s rate is 4.82x the Medicare baseline. Located in 112 Jefferson Street, West Union, IA.

Cash / Self-Pay

$123

Average discount available for prompt cash payment at this facility.

Insurance Median

$116

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$24.05

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $24.05 (100%)

Cash / Self-Pay: $123 (511%)

Insurance Median: $116 (482%)

Cash: $123 (511% of Medicare)

Ins. Median: $116 (482% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $24.05 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 482% of the Medicare baseline (a markup of 382%). 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
Amerigroup	$15 - $113	62%
Molina Health	$15	62%
Wellmark	$81 - $181	337%
Alliance	$97 - $183	403%
UnitedHealthcare	$108 - $113	449%
Health Partners	$109 - $192	453%
Humana	$113	470%
Iowa Total Care	$113	470%
Managed Health Service	$113	470%
Ucare	$113 - $174	470%
Quartz	$119	495%
Medical Associates	$174	723%
Aspirus Arise Health	$181	753%
Multiplan/Healtheos	$192 - $203	798%
Coventry Health Care	$207	861%
Midland Choice	$211	877%

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 $123.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 92508.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Gundersen Palmer Lutheran Hospital and Clinics is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 92508.
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.