Psychotherapy session (45 minutes)
Facility: Phillips County Hospital
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $139
- Cash Discount Price: $208
- vs. Medicare Baseline: 0.77x 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 | $100 - $284 | 55% |
| UnitedHealthcare | $111 - $350 | 61% |
| Health Partners-All Plans | $139 - $350 | 77% |
| Medicaid / KanCare | $139 - $350 | 77% |
Consumer Guidance & Cost Commentary
For a psychotherapy session lasting 45 minutes at Phillips County Hospital in Phillipsburg, Kansas, the cash price is $208.00, which is lower than the facility's negotiated rates with major payers like Blue Cross Blue Shield, UnitedHealthcare, and Health Partners-All Plans. While the facility is a Critical Access Hospital owned by the local government, patients should be aware that commercial insurance contracts often result in higher allowed amounts than cash prices due to administrative overhead and contract dynamics. If you have a high-deductible plan, paying the cash price of $208.00 upfront may save you money compared to your insurance's negotiated rate, provided you have not yet met your deductible. It is always advisable to ask the hospital directly about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront fee reductions can significantly lower your out-of-pocket costs.
When reviewing your final bill, ensure you receive a detailed itemized statement rather than a summary invoice, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. If you encounter a balance bill for an out-of-network service at this in-network facility, remember that the No Surprises Act generally protects you from being billed the difference between the provider's full charge and your insurance's allowed amount for emergency care and non-emergency services at in-network hospitals. To resolve any discrepancies, request a formal written audit dispute sent via certified mail to the billing supervisor, avoiding verbal settlements that may not be documented. By comparing your specific charges against the Medicare benchmark of $181.34 for this procedure, you can verify if the facility's pricing aligns with fair market value standards