Psychotherapy session (60 minutes)
Facility: Holton Community Hospital
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $220
- Cash Discount Price: $238
- vs. Medicare Baseline: 1.21x 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 |
|---|---|---|
| UnitedHealthcare | $117 - $290 | 65% |
| Aetna | $117 - $415 | 65% |
| Humana | $118 - $222 | 65% |
| Kansas Superior Select - All Plans | $119 - $224 | 66% |
| Blue Cross Blue Shield | $150 | 83% |
| Preferred Health Professionals | $183 - $344 | 101% |
| Preferred Health Fn Select - All Other Plans | $183 - $344 | 101% |
| Preferred Health Freedom | $183 - $344 | 101% |
| Wppa Providers - All Plans | $209 - $394 | 115% |
| Medicaid / KanCare | $220 - $415 | 121% |
Consumer Guidance & Cost Commentary
For a psychotherapy session lasting 60 minutes at Holton Community Hospital in Holton, Kansas, the facility's cash price is $238, while the median amount paid by insurance is $185. This cash rate is notably lower than the facility's gross charge of $318 and the median negotiated rate of $220. Patients with high-deductible plans may find paying the cash price of $238 more cost-effective than using insurance, as the negotiated rates for in-network payers range from $117 to $415, often exceeding the cash amount. To secure the lowest possible cost, patients should contact the hospital directly to inquire about "self-pay" or "prompt-pay" discounts, which can further reduce the final bill.
When evaluating the true cost of care, it is important to compare rates against the Medicare benchmark rather than the hospital's inflated list price. The Medicare amount for this service is $181.34, which serves as a scientifically validated baseline for the actual cost of delivery. While commercial negotiated rates typically average 200% to 300% of Medicare, fair pricing is generally defined as 120% to 150% of this benchmark. If a patient receives care from an out-of-network provider or encounters unexpected ancillary services, they may face balance billing for the difference between the allowed amount and the full charge; however, the No Surprises Act protects patients from such surprise bills for emergency and non-emergency services at in-network facilities. To avoid errors or double-charging, patients should request a full itemized bill before paying, as over 80% of hospital bills contain mistakes that can