Psychotherapy session (60 minutes)
Facility: Wilson Medical Center
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $180
- Cash Discount Price: $169
- vs. Medicare Baseline: 0.99x 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 |
|---|---|---|
| Aetna | $119 - $225 | 66% |
| UnitedHealthcare | $119 - $209 | 66% |
| Tricare | $119 | 66% |
| Humana | $119 | 66% |
| Ambetter / Centene | $119 - $225 | 66% |
| Blue Cross Blue Shield | $150 - $225 | 83% |
| Cigna | $180 | 99% |
| Mulitplan-All Plans | $207 | 114% |
| Health Partners-All Plans | $207 | 114% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Wilson Medical Center in Neodesha, KS, the facility's cash median rate of $169 is lower than the gross charge of $225, which may offer savings for patients with high-deductible plans or those without insurance. While the facility is a Critical Access Hospital owned by the local government, the negotiated rates vary significantly among payers, ranging from $119 to $225. It is important to note that commercial negotiated rates often exceed cash prices due to administrative overhead and contract structures; therefore, patients with high deductibles might find paying the cash median of $169 more cost-effective than relying on insurance, which could result in higher out-of-pocket costs if the deductible is not yet met.
To ensure you are not overcharged, always request a full itemized bill before paying, as summary bills can obscure errors or unbundled charges. If you receive a balance bill for an out-of-network service, remember that the No Surprises Act generally protects you from paying the difference between the provider's full rate and your insurance allowed amount for emergency care and non-emergency services at in-network facilities. Additionally, since prompt-pay discounts are commonly offered to patients who settle their bill upfront, you should explicitly ask the billing department about self-pay or prompt-pay rates prior to scheduling your appointment to potentially lower your final cost.