Speech therapy (group session)
Facility: Overland Park Reg Med Ctr
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $62
- Cash Discount Price: $275
- vs. Medicare Baseline: 2.58x 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 258% of the Medicare baseline (a markup of 158%). 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 |
|---|---|---|
| United | $11 - $139 | 46% |
| Unicare | $11 | 46% |
| Medicaid / KanCare | $11 | 46% |
| Aetna | $11 - $157 | 46% |
| Amerigroup | $11 | 46% |
| Healthyblue | $11 | 46% |
| Home State Health Plan | $22 | 91% |
| Coventry | $22 - $124 | 91% |
| Blue Cross Blue Shield | $22 - $133 | 91% |
| Triwest Health Alliance | $22 | 91% |
| Cigna | $23 | 96% |
| Celtic | $23 | 96% |
| Humana | $23 - $51 | 96% |
| Wellcare | $23 | 96% |
| Devoted Health | $23 | 96% |
| Pyramid Life | $24 | 100% |
| Ambetter / Centene | $45 - $57 | 187% |
| Nhc Advantage | $46 - $59 | 191% |
| Oscar | $46 - $59 | 191% |
| Wppa Providrs Care Network | $48 - $62 | 200% |
| Universal Healthcare | $84 - $108 | 349% |
| Coventry Kc Mo | $99 - $126 | 412% |
| College Park Family Care Center | $104 - $133 | 432% |
| Oha Network | $121 - $154 | 503% |
| Multiplan | $128 - $247 | 532% |
| Corvel Corporation | $157 - $200 | 653% |
| Cco, Inc. | $181 - $231 | 753% |
| Focus Healthcare Mgmt, Inc | $181 - $231 | 753% |
Consumer Guidance & Cost Commentary
For this speech therapy session at Overland Park Reg Med Ctr, the cash price is $275.00, which matches the facility's cash median. This rate is significantly higher than the state average, as indicated by a 2.6x multiplier compared to Medicare's benchmark of $24.05. While commercial insurance plans typically negotiate rates that average 200% to 300% of Medicare, this facility's negotiated rates range widely, from $11 to $247 depending on the payer. For patients with high-deductible plans, paying the cash price of $275.00 upfront may be more cost-effective than relying on insurance, which often results in higher allowed amounts due to administrative overhead and contract dynamics.
Patients should verify their specific plan's negotiated rate before scheduling, as in-network coverage does not guarantee the lowest possible price. If you are self-paying, ask the billing department about "self-pay" or "prompt-pay" discounts, which can reduce the bill by 20% to 50% if paid in full within 30 days. Additionally, if you have insurance, request a detailed, itemized bill to ensure no errors exist, as over 80% of hospital bills contain mistakes such as double-billing or unbundled codes. Never accept a summary bill without reviewing the line items, and if you receive a balance bill from an out-of-network provider at an in-network facility, you may be eligible for protections under the No Surprises Act.