CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Cherokee Regional Medical Center

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $802
Cash Discount Price: $722
vs. Medicare Baseline: 4.42x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Cherokee Regional Medical Center is $802. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $722. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 4.42x the Medicare baseline. Located in 300 Sioux Valley Drive, Cherokee, IA.

Cash / Self-Pay

$722

Average discount available for prompt cash payment at this facility.

Insurance Median

$802

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: $722 (398%)

Insurance Median: $802 (442%)

Cash: $722 (398% of Medicare)

Ins. Median: $802 (442% 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 442% of the Medicare baseline (a markup of 342%). 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
Aetna	$425 - $802	234%
Blue Cross Blue Shield	$425 - $802	234%
Health Partners	$425 - $802	234%
Humana	$425 - $802	234%
UnitedHealthcare	$425 - $802	234%
Wellpoint	$425 - $802	234%
Iowa Total Care	$441 - $802	243%
Molina	$441 - $802	243%
Admin Concepts	$802	442%
American Republic	$802	442%
Apw	$802	442%
Auxiant	$802	442%
Avera	$802	442%
Bankers Life	$802	442%
Champus	$802	442%
Cigna	$802	442%
Liability	$802	442%
Meridian	$802	442%
Meritain	$802	442%
Midlands	$802	442%
Mutual Of Omaha	$802	442%
Occunet	$802	442%
Physicians Mutual	$802	442%
Private Healthcare	$802	442%
Sanford	$802	442%
United American	$802	442%

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 $722.
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 Cherokee Regional Medical Center 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.