CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Advocate Christ Hospital & Medical Center

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $418
Cash Discount Price: $333
vs. Medicare Baseline: 2.31x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Advocate Christ Hospital & Medical Center is $418. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $333. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 2.31x the Medicare baseline. Located in 4440 W 95Th Street, Oak Lawn, IL.

Cash / Self-Pay

$333

Average discount available for prompt cash payment at this facility.

Insurance Median

$418

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: $333 (184%)

Insurance Median: $418 (231%)

Cash: $333 (184% of Medicare)

Ins. Median: $418 (231% 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 231% of the Medicare baseline (a markup of 131%). 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
UnitedHealthcare	$232 - $459	128%
Ambetter / Centene	$243	134%
Molina	$243	134%
Oscar Health Hmo	$251	138%
Advocate Employee	$262 - $291	144%
Hstechnology	$322	178%
Cigna	$346 - $439	191%
Aetna	$359	198%
Private Healthcare Systems	$446 - $532	246%
Blue Cross Blue Shield	$469 - $850	259%
Multiplan	$532	293%

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 $333.
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 Advocate Christ Hospital & Medical Center 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.