Family therapy session
Facility: Cloud County Health Center
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $238
- Cash Discount Price: $176
- vs. Medicare Baseline: 1.31x 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 |
|---|---|---|
| Mpi-All Plans | $143 - $238 | 79% |
| Aetna | $226 - $233 | 125% |
| Pponext-All Plans | $238 - $239 | 131% |
| Health Partners - All Plans | $238 | 131% |
Consumer Guidance & Cost Commentary
For the CPT code 90847, representing a family therapy session at Cloud County Health Center in Concordia, KS, the facility's cash median price is $176.00, which is lower than the state average of $181.34 (Medicare amount). While the facility's negotiated rates with major payers like Mpi-All Plans, Aetna, and Pponext-All Plans range between $226 and $239, these amounts exceed the cash price. For patients with high-deductible plans, paying the cash rate of $176.00 upfront may result in significant savings compared to the insurance negotiated rate, provided the patient's out-of-pocket costs do not exceed the difference. It is important to note that while the facility is a Critical Access Hospital and a voluntary non-profit, patients should explicitly ask about "self-pay" or "prompt-pay" discounts before scheduling, as these can further reduce the final bill.
The data for this service does not include a specific county average for comparison, but the facility's pricing structure highlights the difference between commercial negotiated rates and direct patient payment. Under the No Surprises Act, patients are protected from balance billing for out-of-network services at in-network facilities, though they should still verify their plan's specific network status to avoid unexpected costs. If a patient receives an itemized bill that appears higher than the cash or negotiated rates listed here, they should request a formal itemized billing audit to identify potential errors, such as unbundled codes or services not rendered. Since over 80% of hospital bills contain errors, disputing discrepancies in writing is the most effective way to ensure the final charge