Speech therapy (group session)
Facility: Mcpherson Hospital
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $168
- Cash Discount Price: $163
- vs. Medicare Baseline: 6.99x 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 699% of the Medicare baseline (a markup of 599%). 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 |
|---|---|---|
| Tricare | $20 | 83% |
| UnitedHealthcare | $23 - $220 | 96% |
| Humana | $23 | 96% |
| Blue Cross Blue Shield | $23 | 96% |
| Wellcare Mcr Adv - All Plans | $23 | 96% |
| Healthy Blue Mcr Adv | $23 | 96% |
| Va Ccn - All Plans | $23 | 96% |
| Ambetter / Centene | $26 | 108% |
| Wppa - All Plans | $154 | 640% |
| Central Plains - All Plans | $165 | 686% |
| Medical Associates - All Plans | $165 | 686% |
| Christian Health Aid - All Plans | $176 | 732% |
| Aetna | $182 - $220 | 757% |
| Multiplan - All Plans | $198 | 823% |
| Health Partners - All Plans | $209 | 869% |
| Cigna | $209 | 869% |
| First Health - All Plans | $209 | 869% |
| Medicaid / KanCare | $220 | 915% |
| Health Blue Mcaid - All Other Plans | $224 | 931% |
Consumer Guidance & Cost Commentary
For CPT code 92508, representing a speech therapy group session at McPherson Hospital in Mcpherson, Kansas, the facility's cash median rate is $163.00, which is lower than the state average of $179.00. While many insurance plans negotiate rates ranging from $20 to $220, patients with high-deductible plans may find paying the cash price directly more cost-effective, as the negotiated rates for some payers exceed the cash amount. It is important to note that while the facility offers a cash rate, patients should verify if their specific insurance plan has a lower allowed amount before scheduling, as commercial negotiated rates can sometimes be higher than the cash price due to administrative costs and contract dynamics.
The Medicare benchmark for this service is $24.05, which serves as a baseline for evaluating the facility's pricing markup; the cash rate is approximately 6.7 times the Medicare amount. Although the facility is a voluntary non-profit acute care hospital, patients should be aware of balance billing risks if they receive out-of-network care, where the provider could bill the difference between the chargemaster and the insurer's allowed amount. To avoid unexpected costs, consumers are advised to request a prompt-pay discount or self-pay rate before check-in, as paying upfront can often reduce the final bill by 20% to 50% by bypassing the insurance claims cycle. Additionally, if a bill is received, patients should demand a full itemized audit rather than accepting a summary invoice, as over 80% of hospital bills contain errors that can be corrected through a formal dispute.