Family therapy session
Facility: Cheyenne County Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $403
- Cash Discount Price: $368
- vs. Medicare Baseline: 2.22x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 222% of the Medicare baseline (a markup of 122%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $126 | 69% |
| First Health - All Plans | $203 - $402 | 112% |
| Healthy Blue Mcr Adv | $209 - $414 | 115% |
| UnitedHealthcare | $209 - $414 | 115% |
| Tricare | $209 - $414 | 115% |
| Aetna | $209 - $546 | 115% |
| Choice Care - All Plans | $211 - $418 | 116% |
| Firstguard - All Plans | $232 - $460 | 128% |
| Wppa - All Plans | $261 - $518 | 144% |
| Cpm - All Plans | $276 - $546 | 152% |
| Preferred Hc - All Plans | $276 - $546 | 152% |
| Midlands Choice - All Plans | $281 - $558 | 155% |
| Ppo Next - All Plans | $284 - $564 | 157% |
| Health Partners - All Plans | $284 - $564 | 157% |
| Unicare - All Plans | $284 - $564 | 157% |
| Integrated Hp - All Plans | $284 - $564 | 157% |
| Childrens Mercy - All Plans | $290 - $575 | 160% |
| Healthy Blue Mcaid - All Other Plans | $290 - $575 | 160% |
| Healthwave Mcaid - All Plans | $290 - $575 | 160% |
| Providers Care-All Plans | $435 - $862 | 240% |
Consumer Guidance & Cost Commentary
For CPT code 90847, representing a family therapy session at Cheyenne County Hospital in St. Francis, KS, the facility's cash median rate is $368.00, while the median negotiated rate across 20 payers is $403.00. This indicates that for patients with high-deductible plans, paying cash directly may result in lower out-of-pocket costs compared to using insurance, as the negotiated rates exceed the cash price. The facility, a voluntary non-profit Critical Access Hospital, lists a gross charge of $433.00, but commercial payers generally pay significantly less than this list price due to contractual agreements.
To minimize unexpected costs, patients should verify their specific plan's allowed amount before scheduling, as some insurers may negotiate rates higher than the cash price. Additionally, patients should ask the hospital about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if paid in full upfront. If a patient receives a bill that includes charges for services not rendered or unbundled components, they should request a formal itemized audit to identify errors, as over 80% of hospital bills contain inaccuracies. Finally, if a patient faces a balance bill from an out-of-network provider at this in-network facility, they may be protected under the No Surprises Act, which bans balance billing for emergency and non-emergency services at in-network hospitals.