Family therapy session
Facility: Labette Health
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $149
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 0.82x 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 |
|---|---|---|
| Blue Cross Blue Shield | $127 - $149 | 70% |
| Humana | $149 | 82% |
| Medicaid / KanCare | $149 | 82% |
| UnitedHealthcare | $149 | 82% |
| Wellcare | $149 | 82% |
| Kansas Superior Select | $153 | 84% |
| Ambetter / Centene | $171 | 94% |
| Montgomery County | $272 | 150% |
Consumer Guidance & Cost Commentary
For the CPT code 90847, representing a family therapy session at Labette Health in Parsons, Kansas, the negotiated rates range from $127 to $272 depending on the insurance carrier. While the facility is a government-owned acute care hospital, the negotiated amounts for most payers, such as Humana, Medicaid/KanCare, and UnitedHealthcare, are fixed at $149. This specific rate is notably higher than the state average of $181.34, which is the Medicare benchmark for this service. Because commercial negotiated rates often include administrative overhead and contract premiums, patients with high-deductible plans should consider whether paying the cash price directly might be more cost-effective, provided the facility offers a self-pay or prompt-pay discount.
It is important to note that the $149 negotiated rate is not the final amount a patient may owe; it represents the maximum allowed amount under contract. If a patient has out-of-network coverage or receives services from ancillary providers not included in this specific rate, balance billing could occur, though the No Surprises Act protects against such unexpected charges for emergency and non-emergency services at in-network facilities. To ensure the lowest possible cost, patients should request an itemized bill to verify that no unbundled codes or services not rendered are included, and they should explicitly ask about prompt-pay discounts before scheduling, as these upfront fee reductions can significantly lower the total cost compared to the standard negotiated rate.