CMS Price Transparency Data

Family therapy session

Facility: Cass County Memorial Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $360
Cash Discount Price: $592
vs. Medicare Baseline: 1.99x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Cass County Memorial Hospital is $360. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $592. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.99x the Medicare baseline. Located in 1501 East Tenth Street, Atlantic, IA.

Cash / Self-Pay

$592

Average discount available for prompt cash payment at this facility.

Insurance Median

$360

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: $592 (326%)

Insurance Median: $360 (199%)

Cash: $592 (326% of Medicare)

Ins. Median: $360 (199% 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
Midlands Choice Medica Mcr	$169	93%
Wellmark Hmo	$261	144%
Wellmark Ppo - All Other Plans	$287	158%
Triwest - All Plans	$344	190%
Aetna	$355 - $803	196%
Amerigroup Mcr Adv - All Other Plans	$355	196%
Tricare	$355	196%
UnitedHealthcare	$355	196%
Va Ccn - All Plans	$355	196%
Wellmark Mcr Adv	$358	197%
Iowa Total Care Mcaid	$362	200%
Iowa Total Care Mcr	$362	200%
Molina Mcaid - All Plans	$362	200%
American Hlth Mcr Adv - All Plans	$366	202%
Medicaid / KanCare	$366	202%
Iowa Total Care Comm - All Other Plans	$390	215%
Midlands Choice New Bus	$549	303%
Midlands Choice Pho (Ppo) - All Other Plans	$760	419%
Multiplan - All Plans	$803	443%

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 $592.
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 Cass County Memorial Hospital 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.