Psychotherapy session (60 minutes)
Facility: St Luke Hospital & Living Center
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $281
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 1.55x 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 |
|---|---|---|
| Va Ccn | $280 | 154% |
| Blue Cross Blue Shield | $280 | 154% |
| Humana | $280 | 154% |
| UnitedHealthcare | $280 | 154% |
| Kansas Department Of Health And Environment | $280 | 154% |
| Bluestem Pace | $280 | 154% |
| Ambetter / Centene | $283 | 156% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at St Luke Hospital & Living Center in Marion, KS, the facility's negotiated rates are consistently $280 to $283 across seven major payers, including Blue Cross Blue Shield and Humana. This aligns closely with the state average of $281.00, indicating that the facility is charging a standard market rate for this service. While the gross charge listed is $550.00, insurance contracts cap the billed amount at the negotiated rate, protecting members from the full chargemaster price. However, patients should be aware that these negotiated rates often exceed cash prices due to administrative overheads; if you have a high-deductible plan or no insurance, paying the cash price directly might result in lower out-of-pocket costs, though the facility currently lists no specific cash or median paid amounts for this code.
The facility's billing structure is anchored by a Medicare benchmark of $181.34, which serves as the objective baseline for evaluating pricing markups. The negotiated rates of approximately $280 represent a significant markup over this federal standard, a common dynamic in commercial healthcare where administrative costs and network tiering influence final prices. To minimize costs, patients should proactively contact the hospital's billing department to inquire about "self-pay" or "prompt-pay" discounts, which can reduce bills by 20% to 50% for upfront payments. Additionally, if you are concerned about potential balance billing or errors, request a full itemized bill before scheduling, as summary invoices often obscure individual charges and may contain unbundled codes or services not rendered.