Family therapy session
Facility: Lindsborg Community Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $230
- Cash Discount Price: $176
- vs. Medicare Baseline: 1.27x 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 | $38 | 21% |
| Tricare | $118 | 65% |
| Coventry Mcr Adv | $119 | 66% |
| Cigna | $213 | 117% |
| UnitedHealthcare | $226 | 125% |
| Coventry Comm-All Other Plans | $226 | 125% |
| Multiplan-All Plans | $233 | 128% |
| Phcs Preferred-All Plans | $233 | 128% |
| Wppa-All Plans | $238 | 131% |
| Health Partners -All Plans | $238 | 131% |
| Century Health-All Plans | $238 | 131% |
| Coventry Wc | $238 | 131% |
Consumer Guidance & Cost Commentary
For the CPT code 90847 representing a family therapy session at Lindsborg Community Hospital in Kansas, the cash median price is $176.00, which is notably lower than the facility's negotiated rates of $230.00 to $238.00 across various insurance plans. While the facility is a Critical Access Hospital in a Voluntary non-profit setting, patients should be aware that paying cash upfront often yields the lowest cost, especially if their insurance deductible has not yet been met or if their plan's negotiated rate exceeds the cash price. To secure the best possible rate, patients should explicitly request a "self-pay" or "prompt-pay" discount before scheduling, as hospitals frequently offer fee reductions of 20% to 50% for upfront payment that bypasses the administrative costs of insurance claims processing.
When evaluating the financial impact of this service, it is important to compare the facility's pricing against objective benchmarks rather than the hospital's inflated chargemaster list. The Medicare amount for this procedure is $181.34, and the facility's cash rate of $176.00 is competitive relative to this federal baseline, whereas the commercial negotiated rates range from $118.00 to $238.00 depending on the payer. If a patient receives care from an out-of-network provider or encounters services billed separately, they may face balance billing for the difference between the allowed amount and the full charge; however, the No Surprises Act protects patients from such surprise bills for emergency care and non-emergency services at in-network facilities. To avoid unexpected costs, patients should always request a detailed, itemized bill to verify