CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Rush Memorial Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $138
Cash Discount Price: $64
vs. Medicare Baseline: 0.76x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Rush Memorial Hospital is $138. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $64. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.76x the Medicare baseline. Located in 1300 N Main St, Rushville, IN.

Cash / Self-Pay

$64

Average discount available for prompt cash payment at this facility.

Insurance Median

$138

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: $64 (35%)

Insurance Median: $138 (76%)

Cash: $64 (35% of Medicare)

Ins. Median: $138 (76% 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
Coventry/First Health-All Plans	$60	33%
UnitedHealthcare	$117 - $134	65%
Aetna	$127 - $136	70%
Cigna	$127	70%
Consumers Life Ins-All Plans	$127	70%
Health Net	$127	70%
Humana	$132 - $136	73%
Caresource Mcr Adv	$134	74%
Blue Cross Blue Shield	$138 - $145	76%
Today'S Option Mcr Adv-All Plans	$138	76%
Viant Beech St Mcr Adv	$138	76%
My True Advantage - All Plans	$141	78%
Phcs-All Plans	$160	88%
Encore Health Services-All Plans	$179	99%
Siho-All Plans	$179	99%
Caresource Marketplace-All Other Plans	$181	100%
Multiplan-All Plans	$203	112%

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 $64.
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 Rush 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.