Speech therapy (language evaluation)
Facility: St. Catherine Hospital - Garden City
Billing Code: 92507 (CPT)
- CPT Billing Code: 92507
- Insurance Median: $132
- Cash Discount Price: $138
- vs. Medicare Baseline: 1.73x 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 $76.15 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 |
|---|---|---|
| Kaiser | $70 - $134 | 92% |
| Centura Employee Plan | $72 | 95% |
| Direct To Employer | $75 - $195 | 98% |
| UnitedHealthcare | $75 - $232 | 98% |
| Cigna | $77 - $202 | 101% |
| Innovage | $77 | 101% |
| Blue Cross Blue Shield | $77 - $198 | 101% |
| Humana | $77 | 101% |
| Aetna | $77 - $171 | 101% |
| Kansas Health | $77 | 101% |
| Medicare (plans) | $77 | 101% |
| Devoted Health | $77 | 101% |
| Peak Health | $99 - $190 | 130% |
| Denver Health | $115 | 151% |
| Multiplan | $131 - $414 | 172% |
| Wpaa | $142 | 186% |
| United Colorado Doctor'S Plan | $150 | 197% |
| Christian Health Aid | $162 | 213% |
| Health Partners Of Kansas | $197 | 259% |
Consumer Guidance & Cost Commentary
For this speech therapy evaluation at St. Catherine Hospital in Garden City, KS, the cash median price is $138, which is significantly lower than the state average of $132 for similar services. While many commercial payers have negotiated rates ranging from $70 to $232, the cash price often represents a more affordable option for patients with high-deductible plans or those without insurance, as it bypasses the administrative overhead and markup inherent in insurance billing cycles. Patients should proactively ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling, as paying in full upfront can sometimes reduce the final amount further, though this requires explicitly requesting a waiver of insurance submission to avoid automatic claims processing.
The facility's Medicare benchmarking rate of $76.15 serves as a critical baseline, showing that the cash price of $138 is approximately 1.7 times the Medicare amount, which aligns with typical commercial pricing structures. Although the median negotiated rate across payers is $132, individual contracts vary widely, with some plans like Kaiser offering an integrated-system rate of $70 and others like Multiplan reaching up to $414. Consumers should be aware that while the No Surprises Act protects against balance billing for emergency care at in-network facilities, it is essential to verify network status and deductible coverage before receiving services to avoid unexpected costs.