Family therapy session
Facility: St. Catherine Hospital - Garden City
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $126
- Cash Discount Price: $186
- vs. Medicare Baseline: 0.69x 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 $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.
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 | $99 - $256 | 55% |
| Kansas Health | $99 | 55% |
| Medicare (plans) | $99 - $101 | 55% |
| Cigna | $99 - $279 | 55% |
| Kaiser | $99 - $128 | 55% |
| Blue Cross Blue Shield | $99 - $343 | 55% |
| Humana | $99 - $101 | 55% |
| UnitedHealthcare | $99 - $270 | 55% |
| Devoted Health | $101 | 56% |
| Innovage | $101 | 56% |
| Denver Health | $110 | 61% |
| Direct To Employer | $126 - $186 | 69% |
| United Colorado Doctor'S Plan | $174 | 96% |
| Peak Health | $181 - $219 | 100% |
| Centura Employee Plan | $232 | 128% |
| Multiplan | $325 - $395 | 179% |
Consumer Guidance & Cost Commentary
For the CPT code 90847 representing a family therapy session at St. Catherine Hospital in Garden City, KS, the facility's cash median price is $186.00. This cash rate is notably higher than the state average of $126.00 and exceeds the Medicare benchmark of $181.34. While commercial insurance plans like Aetna, Cigna, and UnitedHealthcare negotiate rates ranging from $99 to $343, these figures often include administrative overhead and may not reflect the lowest possible cost for a patient. For individuals with high-deductible plans who have not yet met their out-of-pocket maximum, paying the cash price directly can sometimes be more economical than relying on insurance, provided the negotiated rate exceeds the cash amount.
Patients should proactively inquire about "self-pay" or "prompt-pay" discounts before scheduling services, as hospitals often offer fee reductions of 20% to 50% for upfront payments that bypass costly claims processing. It is crucial to request a waiver of insurance submission to ensure these cash rates apply, rather than waiting until a large post-service bill arrives. Additionally, while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should always request a detailed, itemized bill to verify that all charges align with the negotiated or cash rates, avoiding unexpected discrepancies that may arise from unbundled codes or services not rendered.