Speech therapy (language evaluation)
Facility: Saint Luke'S South Hospital
Billing Code: 92507 (CPT)
- CPT Billing Code: 92507
- Insurance Median: $324
- Cash Discount Price: $531
- vs. Medicare Baseline: 4.25x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 425% of the Medicare baseline (a markup of 325%). 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 |
|---|---|---|
| Aetna | $47 - $1,224 | 62% |
| UnitedHealthcare | $55 - $324 | 72% |
| Medicaid / KanCare | $66 - $99 | 87% |
| Transplants-Case Rates [5750] | $66 - $1,288 | 87% |
| Cigna | $106 - $978 | 139% |
| Humana | $134 - $412 | 176% |
| Blue Cross Blue Shield | $163 - $788 | 214% |
| Commercial-Contracted [8000] | $203 - $1,042 | 267% |
| First Health [5512] | $248 - $764 | 326% |
Consumer Guidance & Cost Commentary
For the speech therapy language evaluation service (CPT 92507) at Saint Luke's South Hospital in Overland Park, KS, the facility's cash price of $531.00 is notably higher than the state average of $66.00 and significantly exceeds the Medicare benchmark of $76.15. While the facility offers a negotiated rate of $324.00 for commercial payers, this amount remains well above the state average and is still more than double the Medicare rate. Patients should be aware that while in-network insurance plans protect against balance billing, the negotiated rates often include administrative overhead and do not reflect the true cost of care. Given that the cash price is lower than the median negotiated rates for many commercial payers, individuals with high-deductible plans or those without insurance may find paying out-of-pocket directly to the hospital to be the most cost-effective option, provided they secure a self-pay discount before scheduling.
To ensure you are receiving the best possible price, it is crucial to verify your specific plan's allowed amount and check for "prompt-pay" discounts, which can reduce bills by 20% to 50% if paid in full upfront. Since the facility is a voluntary non-profit acute care hospital, you should contact them directly to confirm if a self-pay classification or immediate payment discount is available prior to your visit, as waiting until a bill is received may void these incentives. Additionally, because over 80% of hospital bills contain errors, you should request a detailed, itemized statement rather than accepting a summary bill, and dispute any charges that appear incorrect in writing to protect your financial interests. Always compare the final allowed amount from your insurer