Psychotherapy session (60 minutes)
Facility: Phillips County Hospital
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $213
- Cash Discount Price: $250
- vs. Medicare Baseline: 1.17x 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 | $151 - $304 | 83% |
| UnitedHealthcare | $170 - $375 | 94% |
| Medicaid / KanCare | $213 - $375 | 117% |
| Health Partners-All Plans | $213 - $375 | 117% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Phillips County Hospital, the facility's cash price of $250 is lower than the average negotiated rates paid by major insurers like UnitedHealthcare and Health Partners-All Plans, which range between $213 and $375. While the cash rate is higher than the facility's median negotiated rate of $213, patients with high-deductible plans may find paying out-of-pocket cheaper if their insurance allows a higher amount than the cash price. It is important to note that the facility is a Critical Access Hospital in Phillipsburg, Kansas, and while the data does not provide a direct comparison to state or county averages for this specific code, the cash price remains a key benchmark for self-pay patients.
Patients should be aware that commercial insurance contracts often include administrative overhead that inflates the baseline price, meaning the negotiated rates can sometimes exceed the cash price despite being "in-network." To secure the best possible rate, individuals should ask the hospital directly about "self-pay" or "prompt-pay" discounts, which can reduce the bill by 20% to 50% if paid upfront. Additionally, if you receive a bill from an out-of-network provider at this in-network facility, you may be protected by the No Surprises Act, which bans balance billing for emergency and non-emergency services; in such cases, you should dispute any unexpected charges with your insurer rather than paying immediately.