Speech therapy (group session)
Facility: Saint Luke'S South Hospital
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $91
- Cash Discount Price: $143
- vs. Medicare Baseline: 3.78x 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 378% of the Medicare baseline (a markup of 278%). 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 |
|---|---|---|
| Medicaid / KanCare | $11 - $31 | 46% |
| Aetna | $15 - $226 | 62% |
| Transplants-Case Rates [5750] | $20 - $238 | 83% |
| UnitedHealthcare | $31 - $324 | 129% |
| Humana | $43 - $76 | 179% |
| Cigna | $65 - $289 | 270% |
| Blue Cross Blue Shield | $77 - $146 | 320% |
| First Health [5512] | $141 | 586% |
| Commercial-Contracted [8000] | $178 - $203 | 740% |
Consumer Guidance & Cost Commentary
For the speech therapy group session (CPT 92508) at Saint Luke's South Hospital in Overland Park, KS, the cash price is $143.00, which is significantly lower than the facility's gross charge of $238.00. While the hospital's negotiated rates with major payers like UnitedHealthcare and Cigna range from $31 to $289, the cash price offers a substantial alternative for patients without insurance or those with high-deductible plans. It is important to note that cash payments can sometimes be cheaper than insurance reimbursement if the negotiated rate exceeds the cash price, so patients should explicitly ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling to ensure they receive the lowest possible rate.
This service is priced at 3.8 times the Medicare amount of $24.05, reflecting the typical markup seen in commercial healthcare pricing. Although the data does not provide specific state or county average comparisons for this exact procedure, the facility's cash rate remains a key benchmark for consumers to evaluate against their own insurance allowed amounts. To avoid unexpected costs, patients should request an itemized bill to verify that no unbundled codes or services not rendered have been charged, and they should be aware that the No Surprises Act protects them from balance billing for out-of-network services at in-network facilities, though this protection may not apply to all ancillary services or non-emergency scenarios.