CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Northwestern Memorial Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $229
Cash Discount Price: $368
vs. Medicare Baseline: 1.26x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Northwestern Memorial Hospital is $229. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $368. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.26x the Medicare baseline. Located in 251 E Huron St, Chicago, IL.

Cash / Self-Pay

$368

Average discount available for prompt cash payment at this facility.

Insurance Median

$229

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: $368 (203%)

Insurance Median: $229 (126%)

Cash: $368 (203% of Medicare)

Ins. Median: $229 (126% 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
Curaechoice [6100]	$54 - $186	30%
Aetna	$62 - $794	34%
Imagine Health [6032]	$62 - $214	34%
Cigna	$79 - $794	44%
Blue Cross Blue Shield	$103 - $794	57%
Humana	$103 - $397	57%
Global Medical Management Inc [6090]	$133 - $461	73%
Medpartners [6038]	$160 - $556	88%
Healthlink [125]	$170 - $794	94%
UnitedHealthcare	$198 - $794	109%
Health'S Finest Network [126]	$221 - $289	122%
First Health Plan [6034]	$229 - $794	126%
Galaxy Health Network [220]	$229 - $794	126%
Multiplan/Phcs [142]	$229 - $794	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 $368.
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 Northwestern Memorial Hospital 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.