CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Cass County Memorial Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $231
Cash Discount Price: $349
vs. Medicare Baseline: 1.27x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Cass County Memorial Hospital is $231. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $349. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.27x the Medicare baseline. Located in 1501 East Tenth Street, Atlantic, IA.

Cash / Self-Pay

$349

Average discount available for prompt cash payment at this facility.

Insurance Median

$231

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: $349 (192%)

Insurance Median: $231 (127%)

Cash: $349 (192% of Medicare)

Ins. Median: $231 (127% 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	$45 - $154	25%
Triwest - All Plans	$130 - $314	72%
Aetna	$134 - $732	74%
Amerigroup Mcr Adv - All Other Plans	$134 - $323	74%
Medica Mcr Adv	$134	74%
Tricare	$134 - $323	74%
UnitedHealthcare	$134 - $323	74%
Va Ccn - All Plans	$134 - $323	74%
Wellmark Mcr Adv	$136 - $327	75%
Iowa Total Care Mcr	$137 - $330	76%
American Hlth Mcr Adv - All Plans	$138 - $333	76%
Iowa Total Care Comm - All Other Plans	$148 - $356	82%
Wellmark Hmo	$196 - $261	108%
Wellmark Ppo - All Other Plans	$196 - $287	108%
Medica Comm - All Other Plans	$199	110%
Multiplan - All Plans	$215 - $732	119%
Medicaid / KanCare	$226 - $333	125%
Iowa Total Care Mcaid	$231 - $330	127%
Molina Mcaid - All Plans	$231 - $330	127%
Midlands Choice New Bus	$256 - $500	141%
Midlands Choice Pho (Ppo) - All Other Plans	$256 - $693	141%

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 $349.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90837.

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 90837.
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.