CMS Price Transparency Data

Family therapy session

Facility: Winnmed

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $101
Cash Discount Price: $142
vs. Medicare Baseline: 0.56x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Winnmed is $101. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $142. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.56x the Medicare baseline. Located in 901 Montgomery Street, Decorah, IA.

Cash / Self-Pay

$142

Average discount available for prompt cash payment at this facility.

Insurance Median

$101

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: $142 (78%)

Insurance Median: $101 (56%)

Cash: $142 (78% of Medicare)

Ins. Median: $101 (56% 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

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	$61 - $94	34%
Health Partners - All Plans	$62 - $96	34%
Preferred One - All Plans	$65 - $321	36%
Blue Cross Blue Shield	$81 - $449	45%
UnitedHealthcare	$114	63%
Medica Ifb	$121	67%
Medica Mayo Clinic	$121	67%
Medica Mayo Health Plan - All Other Plans	$121	67%

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 $142.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90847.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Winnmed is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90847.
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.