CMS Price Transparency Data

Group therapy session

Facility: Fhn Memorial Hospital

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $119
Cash Discount Price: $129
vs. Medicare Baseline: 1.15x Medicare

The contracted insurance negotiated median rate for a Group therapy session at Fhn Memorial Hospital is $119. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $129. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 1.15x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$129

Average discount available for prompt cash payment at this facility.

Insurance Median

$119

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $129 (124%)

Insurance Median: $119 (115%)

Cash: $129 (124% of Medicare)

Ins. Median: $119 (115% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 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	$90 - $109	87%
The Alliance - All Plans	$97	93%
Ecoh Nihp	$101	97%
Nihp Employ - All Plans	$101	97%
Quartz - All Other Plans	$105	101%
Blue Cross Blue Shield	$109	105%
Ecoh - All Other Plans	$109	105%
Health Alliance Mcr Adv	$109	105%
Humana	$109 - $127	105%
Quartz Mcr Adv	$109	105%
UnitedHealthcare	$110 - $126	106%
Northern Il Hp - All Plans	$111	107%
First Health - All Plans	$113	109%
Hfn - All Plans	$132	127%
First Choice Il - All Plans	$137	132%
Multiplan Phcs - All Plans	$137	132%
Wps - All Plans	$141	136%
Galaxy - All Plans	$145	140%
Health Alliance - All Other Plans	$145	140%
Interplan Health - All Plans	$145	140%
Preferred Plan Ppo - All Plans	$145	140%
Trustmark - All Plans	$148	143%
Midland Choice - All Plans	$153	147%
Osf Healthplans - All Plans	$161	155%
Meridian Health Plan - All Plans	$204	197%

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 $129.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

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 90853.
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.