Family therapy session
Facility: Wilson Medical Center
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $152
- Cash Discount Price: $143
- vs. Medicare Baseline: 0.84x 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 |
|---|---|---|
| Humana | $101 | 56% |
| UnitedHealthcare | $101 - $177 | 56% |
| Tricare | $101 | 56% |
| Ambetter / Centene | $101 - $190 | 56% |
| Aetna | $101 - $190 | 56% |
| Blue Cross Blue Shield | $126 - $190 | 69% |
| Cigna | $152 | 84% |
| Health Partners-All Plans | $175 | 97% |
| Mulitplan-All Plans | $175 | 97% |
Consumer Guidance & Cost Commentary
For CPT code 90847, a family therapy session at Wilson Medical Center in Neodesha, Kansas, the facility's cash median rate is $143.00, while the median negotiated rate across nine payers is $152.00. This specific service is priced at 80% of the Medicare benchmark amount of $181.34, indicating a rate that aligns closely with the federal government's cost-based baseline rather than the typical commercial markup seen in many facilities. Although the facility is a Critical Access Hospital owned by the local government, patients should note that cash payments can sometimes be more cost-effective than using insurance if their plan's negotiated rate exceeds the cash price, which is a common scenario when deductibles are high.
While the facility's rates are competitive relative to the Medicare benchmark, it is important to verify whether your specific insurance plan negotiates a lower rate than the facility's published median. Commercial negotiated rates often include administrative overhead and contract dynamics that can inflate the final cost for members, and assuming that being in-network guarantees the lowest possible price is a common pitfall. To potentially reduce your out-of-pocket expenses, we recommend asking the hospital directly about "self-pay" or "prompt-pay" discounts, which can offer a fee reduction of 20% to 50% for upfront payment. Additionally, if you have an itemized bill, request a full line-by-line audit to ensure no errors, double-billing, or unbundled codes are included, as over 80% of hospital bills contain discrepancies that can be corrected.