Speech therapy (language evaluation)
Facility: Logan County Hospital
Billing Code: 92507 (CPT)
- CPT Billing Code: 92507
- Insurance Median: $137
- Cash Discount Price: $40
- 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 $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.
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 | $78 | 102% |
| Humana | $85 | 112% |
| Health Partners - All Plans | $190 | 250% |
| Medicaid / KanCare | $200 | 263% |
Consumer Guidance & Cost Commentary
For this speech therapy evaluation at Logan County Hospital in Oakley, Kansas, the negotiated rates paid by major insurers like Blue Cross Blue Shield and Humana range from $78 to $190, while the cash price is significantly lower at $40. It is important to note that commercial insurance rates often exceed cash prices due to administrative costs and contract structures; therefore, patients with high-deductible plans may find paying the $40 cash rate directly more cost-effective than relying on insurance, which could result in higher out-of-pocket expenses if the deductible is not yet met. Since this facility is a Critical Access Hospital with government ownership, patients should proactively ask the billing department about self-pay or prompt-pay discounts before scheduling, as these upfront payment incentives can further reduce the final amount owed.
The Medicare benchmark for this service is $76.15, which serves as a reliable baseline for evaluating the facility's pricing fairness. While the facility's cash rate of $40 is well below the Medicare amount, the negotiated rates paid by private payers are notably higher, reflecting the complex dynamics of commercial insurance contracts. To ensure you are not overcharged, it is recommended to request a full itemized bill that lists every specific CPT code and charge, as summary bills often obscure individual line items and may include unbundled services or charges for items not rendered. If you receive a balance bill for the difference between the provider's full charge and your insurance allowed amount, you should dispute it immediately with the insurer, as federal protections like the No Surprises Act may prevent you from being billed for out-of-network services at in-network facilities.