Psychotherapy session (60 minutes)
Facility: Cloud County Health Center
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $225
- Cash Discount Price: $168
- vs. Medicare Baseline: 1.24x 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 | $188 - $227 | 104% |
| Aetna | $215 - $223 | 119% |
| Health Partners - All Plans | $227 | 125% |
| Pponext-All Plans | $227 | 125% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Cloud County Health Center in Concordia, KS, the facility's cash median rate of $168.00 is notably lower than the state average of $227.00, offering a potential savings of $59.00 for patients paying out-of-pocket. While the facility's negotiated rates with major payers like Mpi-All Plans and Aetna range between $188 and $227, these amounts often exceed the cash price, meaning patients with high-deductible plans might save money by paying directly. To maximize savings, it is advisable to explicitly ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can further reduce the final cost.
When reviewing your final invoice, ensure you request a full itemized bill rather than accepting a summary statement, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered that can be corrected to lower your debt. Additionally, this service's Medicare benchmark amount of $181.34 serves as a reliable baseline for evaluating pricing; since commercial negotiated rates typically average 200% to 300% of Medicare while fair pricing is often defined as 120% to 150%, the facility's negotiated rates appear to align closely with fair market value. If you receive a balance bill from an out-of-network provider, remember that the No Surprises Act protects you from paying the difference for emergency care and non-emergency services at in-network facilities, so always dispute any unexpected charges with your insurer.