Psychotherapy session (45 minutes)
Facility: Pratt Regional Medical Center
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $242
- Cash Discount Price: $204
- vs. Medicare Baseline: 1.33x 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 |
|---|---|---|
| Celtic Insurance Company | $148 | 82% |
| Healthy Blue | $152 | 84% |
| UnitedHealthcare | $163 - $297 | 90% |
| Christian Health Aid | $218 | 120% |
| Health Partners Of Kansas | $247 | 136% |
| Aetna | $262 | 144% |
| Choicecare | $291 | 160% |
Consumer Guidance & Cost Commentary
For a psychotherapy session lasting 45 minutes at Pratt Regional Medical Center in Pratt, KS, the facility's cash median rate is $204.00, which is lower than the gross charge of $291.00. While the facility's negotiated rates with insurers like UnitedHealthcare and Aetna range from $148 to $297, patients with high-deductible plans may find paying the cash price directly more cost-effective, as the cash rate is significantly lower than the insurer's allowed amounts. To maximize savings, patients should explicitly request "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can reduce the final bill by 20% to 50% by bypassing costly insurance claims processing and administrative overhead.
This service is benchmarked against the national standard, where the commercial negotiated rate is 1.3 times the Medicare amount of $181.34. Although the data does not provide specific county or state average comparisons for this specific code, the facility's cash rate remains a strong reference point for consumers to evaluate potential out-of-network costs or negotiate better terms with in-network providers. It is important to note that while the No Surprises Act protects patients from balance billing for emergency care and non-emergency services from out-of-network providers at in-network facilities, patients should always verify their specific plan details and request an itemized bill to ensure no unexpected charges are included.