Speech therapy (group session)
Facility: Salina Regional Health Center
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $211
- Cash Discount Price: $183
- vs. Medicare Baseline: 8.77x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 877% of the Medicare baseline (a markup of 777%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
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 |
|---|---|---|
| Preferred Phsic | $39 - $313 | 162% |
| Preferred Healthcare - All Other Plans | $53 - $422 | 220% |
| Blue Cross Blue Shield | $54 - $57 | 225% |
| Cigna | $58 - $469 | 241% |
| Multiplan (Mpi)-All Plans | $58 - $469 | 241% |
| Aetna | $58 - $469 | 241% |
| Providers Care (Wppa)-All Plans | $58 - $469 | 241% |
Consumer Guidance & Cost Commentary
For the speech therapy group session (CPT 92508) at Salina Regional Health Center in Salina, Kansas, the cash price is $183.00, which is lower than the facility's negotiated rates with major payers like Aetna, Cigna, and Blue Cross Blue Shield. While the facility's cash rate is competitive, it is important to note that commercial insurance contracts often result in higher allowed amounts due to administrative overhead and network tiering; for instance, the median negotiated rate across payers is $211.00. Patients with high-deductible plans may find that paying the cash price upfront is more cost-effective than relying on insurance, as the insurer's allowed amount could exceed the cash rate, potentially leading to higher out-of-pocket costs if the patient's deductible has not yet been met.
The facility's pricing is evaluated against a Medicare benchmark of $24.05, which serves as the objective baseline for healthcare costs in this region. The cash price of $183.00 represents a significant markup over the Medicare rate, reflecting the complexity of the service and local wage indexes. To ensure you are receiving the most accurate billing information, it is recommended to request an itemized bill that breaks down every charge by CPT code, rather than accepting a summary invoice that may obscure individual line items. Additionally, patients should explicitly ask the billing department about "self-pay" or "prompt-pay" discounts, which can reduce the total amount owed by 20% to 50% if the balance is settled in full within a short window, bypassing the costly claims processing cycle associated with insurance billing.