Family therapy session
Facility: Holton Community Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $344
- Cash Discount Price: $311
- vs. Medicare Baseline: 1.90x 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 | $126 | 69% |
| Aetna | $220 - $415 | 121% |
| UnitedHealthcare | $220 - $290 | 121% |
| Humana | $222 | 122% |
| Kansas Superior Select - All Plans | $224 | 124% |
| Preferred Health Fn Select - All Other Plans | $344 | 190% |
| Preferred Health Freedom | $344 | 190% |
| Preferred Health Professionals | $344 | 190% |
| Wppa Providers - All Plans | $394 | 217% |
| Medicaid / KanCare | $415 | 229% |
Consumer Guidance & Cost Commentary
For the CPT code 90847 representing a family therapy session at Holton Community Hospital in Holton, Kansas, the facility's cash median price of $311.00 is notably lower than the state average of $344.00. While the gross charge is $415.00, insurance negotiated rates vary significantly by payer, ranging from a low of $126.00 with Blue Cross Blue Shield to a high of $415.00 with Medicaid/KanCare. Patients with high-deductible plans may find the cash price more advantageous if their specific insurance negotiated rate exceeds $311.00, as paying out-of-pocket upfront can sometimes result in immediate savings compared to the administrative costs and potential deductibles associated with insurance claims.
To maximize potential savings, consumers should verify if the hospital offers prompt-pay discounts, which can reduce the bill by 20% to 50% for upfront payment within 30 days, effectively bypassing the overhead of insurance billing cycles. It is also important to request an itemized billing audit before finalizing payment, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. Finally, while the facility is in-network for many payers, patients should confirm their specific plan's allowed amount and deductible status before scheduling, as assuming in-network status guarantees the lowest price can lead to unexpected balance billing if the negotiated rate exceeds the patient's financial expectations.