Psychotherapy session (60 minutes)
Facility: St. Catherine Hospital - Garden City
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $129
- Cash Discount Price: $106
- vs. Medicare Baseline: 0.71x 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 | $63 | 35% |
| Direct To Employer | $72 - $106 | 40% |
| Kaiser | $73 - $133 | 40% |
| United Colorado Doctor'S Plan | $99 | 55% |
| Peak Health | $103 - $125 | 57% |
| Aetna | $106 - $146 | 58% |
| UnitedHealthcare | $119 - $154 | 66% |
| Cigna | $125 - $159 | 69% |
| Blue Cross Blue Shield | $129 - $343 | 71% |
| Humana | $129 - $133 | 71% |
| Kansas Health | $129 | 71% |
| Medicare (plans) | $129 - $133 | 71% |
| Devoted Health | $133 | 73% |
| Innovage | $133 | 73% |
| Centura Employee Plan | $133 | 73% |
| Multiplan | $186 - $225 | 103% |
Consumer Guidance & Cost Commentary
For a 60-minute psychotherapy session at St. Catherine Hospital in Garden City, the negotiated rates for commercial insurance plans range from $63 to $343, with a median allowed amount of $129. This commercial rate is significantly higher than the Medicare benchmark of $181.34, reflecting the administrative costs and contract structures that typically inflate commercial pricing by 200% to 300% compared to federal rates. While the facility offers a cash price of $106, which is lower than the median negotiated rate, patients with high-deductible plans should verify if paying cash upfront could save money, as insurance networks often charge more than the cash price for shoppable services. It is important to note that while the No Surprises Act protects patients from balance billing for out-of-network providers at in-network facilities, unexpected charges can still occur for ancillary services like emergency physicians or labs if they are not covered under the same contract.
To optimize costs, patients should proactively request self-pay or prompt-pay discounts before scheduling, which can reduce bills by 20% to 50% by bypassing expensive insurance claims processing. Since over 80% of hospital bills contain errors, receiving a detailed, itemized statement is crucial to identify unbundled codes or services not rendered, rather than accepting a summary bill that obscures individual charges. The facility is a voluntary non-profit church-owned acute care hospital located in Garden City, KS, and while specific county or state average pricing data was not provided in this report, comparing your specific plan's allowed amount against the Medicare rate of $181.34 provides a clear baseline for understanding the facility's markup.