CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: UW Health

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $181
Cash Discount Price: $37
vs. Medicare Baseline: 1.00x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at UW Health is $181. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $37. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.00x the Medicare baseline. Located in 1401 East State Street, Rockford, IL.

Cash / Self-Pay

$37

Average discount available for prompt cash payment at this facility.

Insurance Median

$181

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: $37 (20%)

Insurance Median: $181 (100%)

Cash: $37 (20% of Medicare)

Ins. Median: $181 (100% 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	$79 - $229	44%
Wps	$114	63%
Workers Comp	$122	67%
Quartz Fully Insured	$132 - $229	73%
Beloit Healt System	$133 - $345	73%
Aetna	$135 - $276	74%
Humana	$135 - $181	74%
Medicare (plans)	$135 - $199	74%
Mychoice Wi Medical Adv	$135 - $181	74%
UnitedHealthcare	$135 - $293	74%
Mercy Care	$160	88%
Medicaid / KanCare	$183	101%
Cigna	$193 - $305	106%
Ecoh	$194 - $301	107%
Hfn	$194 - $301	107%
Alliance Premier Network	$208 - $218	115%
Quartz Aso	$208 - $229	115%
The Alliance	$218 - $268	120%
Wps Ppo	$295	163%
Mercycare	$356	196%
First Health/Coventry	$375	207%
Health Payment Systems	$446	246%
Healthsmart	$446	246%
Sheboygan Employers Health Network	$475	262%
Multiplan	$531	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 $37.
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 UW Health 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.