Family therapy session
Facility: Osborne County Memorial Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $118
- Cash Discount Price: $111
- vs. Medicare Baseline: 0.65x 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 |
|---|---|---|
| UnitedHealthcare | $99 | 55% |
| Health Partners Of Kansas | $112 | 62% |
| Wppa | $124 | 68% |
| Blue Cross Blue Shield | $127 | 70% |
Consumer Guidance & Cost Commentary
For a family therapy session (CPT 90847) at Osborne County Memorial Hospital in Osborne, KS, the facility's cash median rate of $111.00 is notably lower than the Medicare benchmark of $181.34, representing a 70% reduction relative to federal rates. While the hospital is a Critical Access Hospital with government local ownership, the negotiated rates for commercial payers range from $99 to $127, which are still significantly higher than the cash price. This pricing structure highlights a common billing dynamic where commercial insurance contracts often exceed cash-pay options; for patients with high-deductible plans who have not yet met their out-of-pocket limits, paying the cash median of $111.00 directly could result in immediate savings compared to the higher negotiated amounts their insurance would otherwise apply.
To maximize financial savings, patients should proactively contact the hospital's billing department to confirm if "self-pay" or "prompt-pay" discounts are available, as these upfront payment incentives can further reduce the final cost by bypassing administrative claim processing fees. It is also important to verify your specific insurance plan's status, as assuming that being in-network guarantees the lowest possible price can lead to unexpected costs if your deductible has not been met. Given that the facility's negotiated rates are substantially above the cash price, requesting an itemized bill before scheduling ensures you can accurately compare the allowed amount against your personal financial situation and avoid potential balance billing issues, particularly if ancillary services are involved.