Psychotherapy session (60 minutes)
Facility: Republic County Hospital
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $239
- Cash Discount Price: $195
- vs. Medicare Baseline: 1.32x 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 |
|---|---|---|
| Rural Carriers-All Plans | $221 | 122% |
| Meritain-All Plans | $234 | 129% |
| Aetna | $234 | 129% |
| UnitedHealthcare | $239 | 132% |
| Midlands Choice-All Plans | $247 | 136% |
| Cigna | $247 | 136% |
| First Health-All Plans | $247 | 136% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Republic County Hospital in Belleville, KS, the cash price is $195, which is lower than the state average of $239. While the facility's negotiated rate with insurance carriers is $239, patients with high-deductible plans may find paying cash directly more cost-effective, as the cash price is below the insurer's allowed amount. It is important to note that commercial negotiated rates often include administrative overhead and can exceed cash prices; therefore, patients should always ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling to ensure they are receiving the most favorable rate available.
The Medicare benchmark for this service is $181.34, which serves as the objective baseline for evaluating pricing markups. The facility's cash rate of $195 represents a 7.5% increase over the Medicare amount, while the negotiated rate of $239 is approximately 31.5% higher than Medicare. Since Medicare rates reflect the true cost of care based on provider cost reports, comparing these figures helps identify whether the facility's pricing aligns with fair market value. Consumers should be aware that hospitals often issue summary bills that obscure individual charges, so requesting a full itemized statement is the most effective way to verify that no unbundled codes or services not rendered have inflated the total cost.