Psychotherapy session (45 minutes)
Facility: St. Catherine Hospital - Garden City
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $90
- Cash Discount Price: $101
- vs. Medicare Baseline: 0.50x 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 |
|---|---|---|
| Denver Health | $59 | 33% |
| Direct To Employer | $68 - $101 | 37% |
| Kaiser | $69 - $90 | 38% |
| Aetna | $87 - $138 | 48% |
| UnitedHealthcare | $87 - $146 | 48% |
| Cigna | $87 - $151 | 48% |
| Humana | $87 - $90 | 48% |
| Medicare (plans) | $87 - $90 | 48% |
| Kansas Health | $87 | 48% |
| Blue Cross Blue Shield | $87 - $343 | 48% |
| Innovage | $90 | 50% |
| Devoted Health | $90 | 50% |
| United Colorado Doctor'S Plan | $94 | 52% |
| Peak Health | $98 - $118 | 54% |
| Centura Employee Plan | $126 | 69% |
| Multiplan | $176 - $214 | 97% |
Consumer Guidance & Cost Commentary
For a psychotherapy session lasting 45 minutes at St. Catherine Hospital in Garden City, Kansas, the facility's cash median rate is $101.00. This cash price is notably lower than the negotiated rates charged to most insurance payers, which range from $68 to $343 depending on the plan. For example, while Denver Health and Innovage have negotiated rates of $59 and $90 respectively, many other carriers like Blue Cross Blue Shield and Multiplan have negotiated rates as high as $343 and $214. Because commercial insurance contracts often include administrative overhead and claim processing costs, paying cash upfront can sometimes result in significant savings compared to the amount an insurer would allow. Patients with high-deductible plans may find it financially advantageous to pay the cash rate directly, provided they confirm that the facility will not submit a claim to their insurance that would void the discount.
The facility's pricing is evaluated against the Medicare benchmark, which serves as a baseline for the true cost of care. The Medicare amount for this service is $181.34, and the facility's cash rate of $101.00 is approximately 55% of that benchmark, indicating a pricing structure that is below the federal average. While the facility is a voluntary non-profit church-owned acute care hospital, patients should be aware that balance billing is generally prohibited for in-network services under the No Surprises Act, though unexpected charges can still occur with out-of-network ancillary services. To ensure the lowest possible cost, patients are encouraged to explicitly request a "self-pay" or "prompt-pay" discount before scheduling, as these upfront payment incentives can further reduce the final bill.