Speech therapy (group session)
Facility: Saint John Hospital
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $24
- Cash Discount Price: $22
- vs. Medicare Baseline: 1.00x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $24.05 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| UnitedHealthcare | $11 - $32 | 46% |
| Healthy Blue | $11 - $24 | 46% |
| Medicaid / KanCare | $11 | 46% |
| Celtic | $11 - $92 | 46% |
| Kansas Superior Select | $23 | 96% |
| Cigna | $23 | 96% |
| Tricare | $23 | 96% |
| Midland Care Connection | $23 | 96% |
| Medicare (plans) | $23 | 96% |
| Aetna | $23 - $34 | 96% |
| Blue Cross Blue Shield | $24 - $52 | 100% |
| Corizon | $32 | 133% |
| Employer Direct Healthcare | $32 | 133% |
| Well Path | $32 | 133% |
| Centurion | $34 | 141% |
| Naphcare | $35 | 146% |
| Oha Networks | $39 | 162% |
| Worker Compensation | $40 | 166% |
Consumer Guidance & Cost Commentary
For this speech therapy session at Saint John Hospital in Leavenworth, KS, the cash price is $22.00, which is notably lower than the facility's negotiated rates with major payers like UnitedHealthcare (ranging from $11 to $32) and Blue Cross Blue Shield ($24 to $52). When comparing this cash price to the Medicare benchmark of $24.05, the cash rate is slightly lower, suggesting that paying out-of-pocket might be the most cost-effective option for patients with high-deductible plans or those without insurance. It is important to note that while the facility offers a cash price, many commercial payers have negotiated rates that exceed this amount; for instance, Celtic plans range from $11 to $92, and Aetna plans range from $23 to $34. Patients should verify if their specific plan has a lower allowed amount before scheduling, as some commercial contracts may result in lower out-of-pocket costs than the cash price.
To minimize potential costs, patients should proactively ask the hospital about "prompt-pay" discounts, which can reduce the bill by 20% to 50% if paid in full upfront, bypassing the administrative overhead of insurance claims. Additionally, since the No Surprises Act protects patients from balance billing for emergency care and non-emergency services at in-network facilities, patients should ensure they are not signing away rights to dispute unexpected bills. If a surprise bill does arrive, consumers should request a formal, itemized audit to identify errors or unbundled codes, as over 80% of hospital bills contain inaccuracies. For this specific service, the facility's cash rate of $22