CMS Price Transparency Data

Family therapy session

Facility: Fhn Memorial Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $191
Cash Discount Price: $206
vs. Medicare Baseline: 1.05x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Fhn Memorial Hospital is $191. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $206. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.05x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$206

Average discount available for prompt cash payment at this facility.

Insurance Median

$191

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: $206 (114%)

Insurance Median: $191 (105%)

Cash: $206 (114% of Medicare)

Ins. Median: $191 (105% 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	$144 - $190	79%
Meridian Health Plan - All Plans	$146	81%
The Alliance - All Plans	$155	85%
Ecoh Nihp	$163	90%
Nihp Employ - All Plans	$163	90%
Quartz - All Other Plans	$168	93%
Blue Cross Blue Shield	$174	96%
Ecoh - All Other Plans	$175	97%
Northern Il Hp - All Plans	$178	98%
First Health - All Plans	$181	100%
Health Alliance Mcr Adv	$190	105%
Humana	$190 - $204	105%
Quartz Mcr Adv	$190	105%
UnitedHealthcare	$192 - $201	106%
Hfn - All Plans	$212	117%
First Choice Il - All Plans	$219	121%
Multiplan Phcs - All Plans	$219	121%
Wps - All Plans	$225	124%
Galaxy - All Plans	$232	128%
Health Alliance - All Other Plans	$232	128%
Interplan Health - All Plans	$232	128%
Preferred Plan Ppo - All Plans	$232	128%
Trustmark - All Plans	$237	131%
Midland Choice - All Plans	$245	135%
Osf Healthplans - All Plans	$258	142%

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 $206.
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 Fhn 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.