Family therapy session
Facility: Menorah Medical Center
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $140
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 0.77x 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 |
|---|---|---|
| United | $137 | 76% |
| Home State Health Plan | $144 | 79% |
Consumer Guidance & Cost Commentary
For this family therapy session at Menorah Medical Center in Overland Park, KS, the negotiated rates range from $137 to $144 depending on your specific insurance plan. These amounts are significantly lower than the facility's full chargemaster price, reflecting the contractual agreements that protect in-network members. However, it is important to note that these negotiated rates are often higher than the actual cash price, which can be a crucial consideration for patients with high-deductible plans or those who do not have insurance coverage. In such cases, paying the cash price directly may result in substantial savings compared to the insurance negotiated amount, as the administrative costs and contract structures embedded in the insurance rate often inflate the baseline price by 20% to 40%.
To maximize your potential savings, we strongly recommend contacting the hospital directly to inquire about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if you settle the account upfront. Additionally, while the Medicare benchmark for this service is $181.34, commercial rates are frequently marked up significantly above this federal baseline; fair pricing is typically defined as 120% to 150% of the Medicare amount, whereas commercial rates often average 200% to 300% higher. Before scheduling your appointment, verify the exact allowed amount for your plan and consider requesting an itemized bill to ensure no errors or unbundled charges are included, as over 80% of hospital bills contain discrepancies that can be corrected through a formal audit.