CMS Price Transparency Data

Family therapy session

Facility: Saint Joseph Hospital-Elgin

Billing Code: 90847 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$195

about 1.1× the $181 Medicare rate · typically $167–$207

modeled estimate · not a bill or quote

What this hospital charges insurers

$189

About the fair price

about $6 under the fair price · 1.0× Medicare

Medicare pays $181 Fair price $195 This hospital $189 Cash price $189 Hospital's list price $1,298

How we calculate the fair BaseRate →

How this hospital compares to other IL hospitals

Highest price of the 9 IL hospitals we have prices for — worth calling around.

Cheapest $65 Priciest $189

Black dot = this hospital, among the 9 IL hospitals with a price for this procedure. Full list below.

A fair price for a Family therapy session is about $195 (about 1.1× the $181 Medicare rate). Saint Joseph Hospital-Elgin charges insurers about $189, or about $189 in cash — about the fair price. Located in Elgin, IL.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$189 - $418	104%
Blue Cross Blue Shieldmajor	$146 - $265	81%
Aetnamajor	$146 - $199	81%
Cignamajor	$189	104%
Humanamajor	$146 - $208	81%
Ambetter (Centene)	$307	169%
Devoted Health	$189	104%
Health Net	$227	125%
HealthPartners	$189 - $218	104%
Meridian	$153 - $199	84%
Molina	$153 - $284	84%
WellCare	$189	104%
+ 11 smaller / regional plans	$104 - $900

Government programs also on file: Medicare, Medicaid, Military & VA.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 189), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 90847.

Insurance Before you use insurance

Call your insurance company to confirm Saint Joseph Hospital-Elgin is in-network.
Ask your insurer whether prior approval is required for CPT code 90847.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Saint Joseph Hospital-Elgin

Compare: Family therapy session at other IL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.