Family therapy session
Facility: Phillips County Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $168
- Cash Discount Price: $150
- vs. Medicare Baseline: 0.93x 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 |
|---|---|---|
| Blue Cross Blue Shield | $127 - $304 | 70% |
| UnitedHealthcare | $134 - $375 | 74% |
| Health Partners-All Plans | $168 - $375 | 93% |
| Medicaid / KanCare | $168 - $375 | 93% |
Consumer Guidance & Cost Commentary
For the CPT code 90847, representing a family therapy session at Phillips County Hospital in Phillipsburg, KS, the cash median price is $150.00, which is lower than the facility's negotiated rate of $168.00. This cash price is also notably lower than the gross charge of $176.00. While the facility is a Critical Access Hospital owned by the local government, patients should be aware that commercial insurance plans often pay negotiated rates that can exceed cash prices. For instance, Blue Cross Blue Shield's negotiated range spans from $127 to $304, and UnitedHealthcare's range is $134 to $375. In cases where a patient has a high deductible or is self-pay, paying the cash median of $150.00 may result in immediate savings compared to the higher amounts their insurance might allow.
To ensure you are receiving the most accurate pricing, it is important to request an itemized billing audit rather than accepting a summary bill, as hospitals sometimes obscure individual costs. Additionally, you should inquire directly with the hospital about "self-pay" or "prompt-pay" discounts, which can reduce the final amount owed by 20% to 50% if settled upfront. When evaluating the facility's pricing against broader benchmarks, the Medicare amount for this service is $181.34. Since commercial negotiated rates often average between 200% and 300% of Medicare rates, while fair pricing is typically defined as 120% to 150%, the $168.00 negotiated rate falls within a reasonable range relative to the