Psychotherapy session (60 minutes)
Facility: F W Huston Medical Center
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $327
- Cash Discount Price: $340
- vs. Medicare Baseline: 1.80x 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 |
|---|---|---|
| Blue Cross Blue Shield | $151 | 83% |
| Aetna | $319 | 176% |
| Humana | $336 | 185% |
| Cigna | $361 | 199% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at F W Huston Medical Center in Winchester, KS, the facility's cash price of $340.00 is lower than the median negotiated rate of $327.00 paid by insurers like Blue Cross Blue Shield, Aetna, and Humana. While the facility is a Critical Access Hospital with a voluntary non-profit ownership structure, patients with high-deductible plans may find paying the cash price directly more cost-effective than relying on insurance, as the negotiated rates often exceed the cash amount. It is important to note that the cash price is also lower than the Medicare benchmark of $181.34, which serves as the federal baseline for "true cost" rather than the hospital's inflated list price.
To ensure you are not overcharged, always request a full itemized bill before paying, as summary invoices can hide unbundled codes or services not rendered. If you receive a balance bill for out-of-network services, you may be protected under the No Surprises Act, which bans surprise billing for emergency care and non-emergency services at in-network facilities. Additionally, ask the hospital about prompt-pay discounts, which can reduce the final amount by 20% to 50% if you settle the bill upfront, bypassing the administrative costs and delays associated with insurance claims processing.