Speech therapy (group session)
Facility: St. Catherine Hospital - Garden City
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $76
- Cash Discount Price: $111
- vs. Medicare Baseline: 3.16x 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 316% of the Medicare baseline (a markup of 216%). 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 |
|---|---|---|
| Cigna | $24 - $202 | 100% |
| Blue Cross Blue Shield | $24 - $198 | 100% |
| Devoted Health | $24 | 100% |
| Innovage | $24 | 100% |
| UnitedHealthcare | $24 - $232 | 100% |
| Kansas Health | $24 | 100% |
| Kaiser | $24 - $77 | 100% |
| Humana | $24 | 100% |
| Aetna | $24 - $160 | 100% |
| Medicare (plans) | $24 | 100% |
| Denver Health | $66 | 274% |
| Centura Employee Plan | $72 | 299% |
| Direct To Employer | $75 - $111 | 312% |
| Peak Health | $99 - $108 | 412% |
| Multiplan | $131 - $236 | 545% |
| United Colorado Doctor'S Plan | $150 | 624% |
Consumer Guidance & Cost Commentary
For CPT code 92508, Speech therapy (group session), the facility's cash median price is $111.00, which is significantly lower than the state average of $278.00. While many commercial payers negotiate rates ranging from $24 to $236, these amounts often exceed the cash price, meaning patients with high-deductible plans might save money by paying out-of-pocket and checking for "self-pay" or "prompt-pay" discounts before scheduling. It is important to note that while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should still verify their specific plan details to ensure they are not inadvertently triggering unexpected charges for ancillary services.
To maximize savings, consumers should request a full itemized CPT-coded bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. When comparing prices, it is more accurate to look at the Medicare benchmark of $24.05 rather than the facility's gross chargemaster rate, which can be inflated to make discounts appear larger. The facility's negotiated rates average $76.00, which is lower than the gross charge but still higher than the cash price; therefore, patients should confirm their deductible status and ask about prompt-pay incentives upfront to avoid paying the full negotiated amount after care is delivered.