CMS Price Transparency Data

Family therapy session

Facility: Northwestern Medicine Delnor Community Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $161
Cash Discount Price: $179
vs. Medicare Baseline: 0.89x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Northwestern Medicine Delnor Community Hospital is $161. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $179. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.89x the Medicare baseline. Located in 300 Randall Rd, Geneva, IL.

Cash / Self-Pay

$179

Average discount available for prompt cash payment at this facility.

Insurance Median

$161

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: $179 (99%)

Insurance Median: $161 (89%)

Cash: $179 (99% of Medicare)

Ins. Median: $161 (89% 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
Blue Cross Blue Shield	$38 - $143	21%
Aetna	$42	23%
Cigna	$56 - $205	31%
UnitedHealthcare	$121 - $256	67%
Carelon Behavioral Health [159]	$128	71%
Health'S Finest Network [126]	$128 - $218	71%
Healthlink [125]	$161	89%
The Alliance [1703]	$164	90%
First Health Plan [6034]	$177	98%
Multiplan/Phcs [142]	$192 - $256	106%
Compsych [112]	$205	113%
Beechstreet [176]	$230	127%

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 $179.
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 Northwestern Medicine Delnor Community 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.