Psychotherapy session (60 minutes)
Facility: Pratt Regional Medical Center
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $356
- Cash Discount Price: $300
- vs. Medicare Baseline: 1.96x 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 - $437 | 90% |
| Christian Health Aid | $321 | 177% |
| Health Partners Of Kansas | $364 | 201% |
| Aetna | $385 | 212% |
| Choicecare | $428 | 236% |
Consumer Guidance & Cost Commentary
For a 60-minute psychotherapy session at Pratt Regional Medical Center in Pratt, Kansas, the cash price is $300, which is lower than the facility's gross charge of $428. While the facility is in-network for seven payers, the negotiated rates vary significantly, ranging from $148 with Celtic Insurance Company to $428 with Choicecare. Notably, the cash price of $300 is lower than the median negotiated rate of $356 and the highest negotiated rate of $428. This suggests that patients with high-deductible plans or those without immediate insurance coverage may save money by paying cash upfront, as the cash rate avoids the administrative markup inherent in insurance billing cycles.
To maximize savings, patients should explicitly request a "self-pay" or "prompt-pay" discount before scheduling, as hospitals often offer additional reductions for upfront payment that are not automatically applied to insurance claims. It is important to verify your specific plan's allowed amount, as some insurers may negotiate rates higher than the cash price, particularly if your deductible has not yet been met. Additionally, while the No Surprises Act protects against balance billing for out-of-network providers at in-network facilities, patients should still review their itemized bill to ensure no unexpected charges for ancillary services. Comparing this facility's pricing to the broader market, the cash rate remains competitive, but patients should always confirm their out-of-pocket costs directly with the billing department prior to receiving care.