CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Northwestern Lake Forest Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $386
Cash Discount Price: $556
vs. Medicare Baseline: 2.13x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Northwestern Lake Forest Hospital is $386. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $556. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 2.13x the Medicare baseline. Located in 1000 N Westmoreland Road, Lake Forest, IL.

Cash / Self-Pay

$556

Average discount available for prompt cash payment at this facility.

Insurance Median

$386

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: $556 (307%)

Insurance Median: $386 (213%)

Cash: $556 (307% of Medicare)

Ins. Median: $386 (213% 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 213% of the Medicare baseline (a markup of 113%). 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	$132 - $361	73%
Cigna	$167 - $386	92%
Blue Cross Blue Shield	$168 - $794	93%
UnitedHealthcare	$376 - $794	207%
Healthlink [125]	$397	219%
Health'S Finest Network [126]	$507 - $715	280%
The Alliance [1703]	$510	281%
Beechstreet [176]	$635	350%
Multiplan/Phcs [142]	$635 - $794	350%
First Health Plan [6034]	$651	359%

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 $556.
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 Northwestern Lake Forest 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.