Speech therapy (language evaluation)
Facility: Overland Park Reg Med Ctr
Billing Code: 92507 (CPT)
- CPT Billing Code: 92507
- Insurance Median: $129
- Cash Discount Price: $651
- vs. Medicare Baseline: 1.69x 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 $76.15 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 |
|---|---|---|
| United | $66 - $293 | 87% |
| Home State Health Plan | $69 | 91% |
| Coventry | $72 - $262 | 95% |
| Triwest Health Alliance | $72 | 95% |
| Blue Cross Blue Shield | $72 - $280 | 95% |
| Humana | $73 - $160 | 96% |
| Devoted Health | $73 | 96% |
| Celtic | $74 | 97% |
| Cigna | $74 | 97% |
| Wellcare | $74 | 97% |
| Amerigroup | $77 | 101% |
| Healthyblue | $78 | 102% |
| Pyramid Life | $78 | 102% |
| Medicaid / KanCare | $79 | 104% |
| Aetna | $80 - $332 | 105% |
| Unicare | $80 | 105% |
| Ambetter / Centene | $121 | 159% |
| Oscar | $124 | 163% |
| Nhc Advantage | $124 | 163% |
| Wppa Providrs Care Network | $130 | 171% |
| Universal Healthcare | $228 | 299% |
| Coventry Kc Mo | $267 | 351% |
| College Park Family Care Center | $280 | 368% |
| Oha Network | $326 | 428% |
| Multiplan | $345 - $521 | 453% |
| Corvel Corporation | $423 | 555% |
| Focus Healthcare Mgmt, Inc | $489 | 642% |
| Cco, Inc. | $489 | 642% |
Consumer Guidance & Cost Commentary
For this speech therapy evaluation, the facility's cash price of $651.00 is significantly higher than the state average, which is reflected in the 170% markup compared to the Medicare benchmark of $76.15. While commercial insurance plans like United and Aetna have negotiated rates ranging from $66 to $521, these amounts often exceed the cash price, meaning patients with high-deductible plans might save money by paying out-of-pocket. It is important to note that while the No Surprises Act protects patients from balance billing for emergency services at in-network facilities, non-emergency procedures like this one may still result in unexpected charges if the provider is out-of-network or if ancillary services are billed separately.
To minimize costs, patients should verify their specific plan's deductible status before scheduling, as some insurers may cover the full negotiated rate even if the cash price is lower. If you choose to pay directly, ask the billing department about "prompt-pay" discounts, which can reduce the total by 20% to 50% for upfront payment. Additionally, always request a full itemized bill before agreeing to any payment plan, as summary invoices often hide unbundled codes or services not rendered. Given that over 80% of hospital bills contain errors, reviewing the line-by-line charges is the most effective way to ensure you are only paying for services actually received.