Family therapy session
Facility: Republic County Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $483
- Cash Discount Price: $394
- vs. Medicare Baseline: 2.66x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 266% of the Medicare baseline (a markup of 166%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
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 |
|---|---|---|
| Rural Carriers-All Plans | $446 | 246% |
| Aetna | $472 | 260% |
| Meritain-All Plans | $472 | 260% |
| UnitedHealthcare | $483 | 266% |
| Cigna | $499 | 275% |
| First Health-All Plans | $499 | 275% |
| Midlands Choice-All Plans | $499 | 275% |
Consumer Guidance & Cost Commentary
For this family therapy session at Republic County Hospital in Belleville, KS, the commercial negotiated rates range from $446 to $499, with a median paid amount of $483. This negotiated rate is 2.7 times higher than the Medicare benchmark of $181.34, reflecting the standard administrative markup associated with insurance billing cycles. While the facility's cash median price is $394, which is lower than the negotiated rate, patients with high-deductible plans may find that paying out-of-pocket upfront is more cost-effective than relying on insurance, as the insurer's allowed amount often exceeds the cash price. It is important to note that the facility is a Critical Access Hospital with a voluntary non-profit ownership structure, and specific self-pay or prompt-pay discounts may be available if requested before scheduling.
To minimize potential costs, patients should verify their deductible status and confirm whether the hospital offers a prompt-pay discount, which can reduce bills by 20% to 50% when paid in full within 30 days. Although the data provided does not include specific county or state average comparisons for this code, the significant gap between the Medicare rate and the commercial negotiated rate highlights the value of understanding the true cost basis. If you receive a bill, ensure it is an itemized statement rather than a summary, and consider requesting a formal audit if you believe charges are incorrect or if you are concerned about balance billing protections under the No Surprises Act. Always contact the billing department directly to confirm the final out-of-pocket responsibility before the service is rendered.