CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Cass County Memorial Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $156
Cash Discount Price: $318
vs. Medicare Baseline: 0.86x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Cass County Memorial Hospital is $156. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $318. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.86x the Medicare baseline. Located in 1501 East Tenth Street, Atlantic, IA.

Cash / Self-Pay

$318

Average discount available for prompt cash payment at this facility.

Insurance Median

$156

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: $318 (175%)

Insurance Median: $156 (86%)

Cash: $318 (175% of Medicare)

Ins. Median: $156 (86% 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	$31 - $151	17%
Triwest - All Plans	$88 - $308	49%
Aetna	$91 - $717	50%
Amerigroup Mcr Adv - All Other Plans	$91 - $317	50%
Medica Mcr Adv	$91	50%
Tricare	$91 - $317	50%
UnitedHealthcare	$91 - $317	50%
Va Ccn - All Plans	$91 - $317	50%
Wellmark Mcr Adv	$92 - $320	51%
Iowa Total Care Mcr	$93 - $323	51%
American Hlth Mcr Adv - All Plans	$94 - $327	52%
Iowa Total Care Comm - All Other Plans	$100 - $349	55%
Wellmark Hmo	$132 - $261	73%
Wellmark Ppo - All Other Plans	$132 - $287	73%
Medica Comm - All Other Plans	$135	74%
Multiplan - All Plans	$145 - $717	80%
Medicaid / KanCare	$153 - $327	84%
Iowa Total Care Mcaid	$156 - $323	86%
Molina Mcaid - All Plans	$156 - $323	86%
Midlands Choice New Bus	$173 - $491	95%
Midlands Choice Pho (Ppo) - All Other Plans	$173 - $680	95%

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 $318.
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 Cass County Memorial Hospital 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.