Psychotherapy session (45 minutes)
Facility: St Luke Hospital & Living Center
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $268
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 1.48x 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 |
|---|---|---|
| Humana | $268 | 148% |
| UnitedHealthcare | $268 | 148% |
| Kansas Department Of Health And Environment | $268 | 148% |
| Blue Cross Blue Shield | $268 | 148% |
| Va Ccn | $268 | 148% |
| Bluestem Pace | $268 | 148% |
| Ambetter / Centene | $270 | 149% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at St Luke Hospital & Living Center in Marion, KS, the facility's negotiated rate is $268, which aligns perfectly with the lowest and highest amounts paid by all seven insurance plans listed, including Humana, UnitedHealthcare, and Blue Cross Blue Shield. This consistency indicates that the facility has a uniform contract with these payers, resulting in a predictable out-of-pocket cost for members who have met their deductibles. While the facility is a Critical Access Hospital with government ownership, the data does not provide specific cash or self-pay rates; however, patients with high-deductible plans should verify if paying cash directly could be more affordable than the insurance negotiated rate, as commercial contracts often include administrative overhead that can make the billed amount higher than the actual cost of care.
It is important to note that the facility's negotiated rate of $268 is significantly higher than the Medicare benchmark of $181.34, reflecting a markup common in commercial healthcare pricing. Under federal protections like the No Surprises Act, patients should not be balance billed for out-of-network services at this in-network facility, and any surprise bills should be disputed in writing rather than paid immediately. Additionally, since the facility offers prompt-pay discounts to patients who settle accounts upfront, it is advisable to contact the billing department before scheduling to request a self-pay classification and potential fee reduction, ensuring you receive the most accurate and transparent pricing available for your specific situation.