CMS Price Transparency Data

Family therapy session

Facility: Northwestern Memorial Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $211
Cash Discount Price: $240
vs. Medicare Baseline: 1.16x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Northwestern Memorial Hospital is $211. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $240. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.16x the Medicare baseline. Located in 251 E Huron St, Chicago, IL.

Cash / Self-Pay

$240

Average discount available for prompt cash payment at this facility.

Insurance Median

$211

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: $240 (132%)

Insurance Median: $211 (116%)

Cash: $240 (132% of Medicare)

Ins. Median: $211 (116% 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
Aetna	$50 - $456	28%
Curaechoice [6100]	$54 - $107	30%
Cigna	$60 - $456	33%
Imagine Health [6032]	$62 - $123	34%
Blue Cross Blue Shield	$103 - $456	57%
Humana	$103 - $228	57%
Healthlink [125]	$130 - $456	72%
Global Medical Management Inc [6090]	$133 - $264	73%
UnitedHealthcare	$151 - $456	83%
Medpartners [6038]	$160 - $319	88%
Health'S Finest Network [126]	$168 - $306	93%
Multiplan/Phcs [142]	$207 - $456	114%
First Health Plan [6034]	$229 - $456	126%
Galaxy Health Network [220]	$229 - $456	126%

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 $240.
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 Memorial 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.