Psychotherapy session (60 minutes)
Facility: Osborne County Memorial Hospital
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $109
- Cash Discount Price: $102
- vs. Medicare Baseline: 0.60x 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 | $91 | 50% |
| Health Partners Of Kansas | $103 | 57% |
| Wppa | $114 | 63% |
| Blue Cross Blue Shield | $118 | 65% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Osborne County Memorial Hospital in Osborne, KS, the cash price is $102.00, which is lower than the facility's gross charge of $120.00. While the data does not provide a specific county or state average for comparison, patients should note that cash payments can sometimes be more cost-effective than using insurance, particularly for those with high-deductible plans where the insurer's negotiated rate might exceed the cash price. The facility offers a self-pay classification, and patients are encouraged to ask directly about "prompt-pay" discounts or self-pay rates before scheduling to ensure they are receiving the lowest possible out-of-pocket cost.
Insurance payers in this region have negotiated rates ranging from $91.00 to $118.00, with the median negotiated amount at $109.00. These rates are significantly higher than the cash price of $102.00, illustrating that commercial insurance contracts often include administrative overhead and risk premiums that result in higher final costs for members. The Medicare benchmark for this service is $181.34, which serves as a baseline for fair pricing; commercial rates are generally expected to fall between 120% and 150% of this amount to reflect true service costs. If you receive a bill that exceeds these benchmarks, you may be eligible for an itemized billing audit to identify errors, unbundled codes, or services not rendered, which can help reduce unexpected medical debt.