CMS Price Transparency Data

Speech therapy (language evaluation)

Facility: Fhn Memorial Hospital

Billing Code: 92507 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 92507
Insurance Median: $137
Cash Discount Price: $242
vs. Medicare Baseline: 1.80x Medicare

The contracted insurance negotiated median rate for a Speech therapy (language evaluation) at Fhn Memorial Hospital is $137. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $242. Compared to the federal Medicare reimbursement reference rate of $76.15, this hospital’s rate is 1.80x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$242

Average discount available for prompt cash payment at this facility.

Insurance Median

$137

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$76.15

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $76.15 (100%)

Cash / Self-Pay: $242 (318%)

Insurance Median: $137 (180%)

Cash: $242 (318% of Medicare)

Ins. Median: $137 (180% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $76.15 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
Health Alliance - All Other Plans	$65 - $135	85%
Aetna	$74 - $254	97%
Health Alliance Mcr Adv	$74	97%
Humana	$74 - $361	97%
Quartz Mcr Adv	$74	97%
UnitedHealthcare	$74 - $356	97%
The Alliance - All Plans	$90 - $273	118%
Ecoh Nihp	$94 - $287	123%
Nihp Employ - All Plans	$94 - $287	123%
Quartz - All Other Plans	$98 - $296	129%
Blue Cross Blue Shield	$101 - $308	133%
Ecoh - All Other Plans	$102 - $310	134%
Northern Il Hp - All Plans	$104 - $314	137%
First Health - All Plans	$105 - $320	138%
Hfn - All Plans	$123 - $374	162%
First Choice Il - All Plans	$128 - $387	168%
Multiplan Phcs - All Plans	$128 - $387	168%
Wps - All Plans	$131 - $398	172%
Galaxy - All Plans	$135 - $410	177%
Interplan Health - All Plans	$135 - $410	177%
Preferred Plan Ppo - All Plans	$135 - $410	177%
Trustmark - All Plans	$138 - $419	181%
Midland Choice - All Plans	$142 - $433	186%
Osf Healthplans - All Plans	$150 - $456	197%
Meridian Health Plan - All Plans	$197	259%

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 $242.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 92507.

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 92507.
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.