Psychotherapy session (60 minutes)
Facility: Minneola District Hospital
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $212
- Cash Discount Price: $165
- vs. Medicare Baseline: 1.17x 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 | $151 | 83% |
| UnitedHealthcare | $157 - $235 | 87% |
| Humana | $157 | 87% |
| Va Community Care Program-All Plans | $157 | 87% |
| Corporate Plan Management-All Plans | $200 | 110% |
| Providrs Care Network-All Plans | $200 | 110% |
| Triwest-All Plans | $212 | 117% |
| Preferred Health Care (Coventry)-All Other Plans | $212 | 117% |
| Phc (Coventry) Leased Network | $223 | 123% |
| Aetna | $223 - $235 | 123% |
| Health Partners Of Kansas-All Plans | $223 | 123% |
| Medicaid / KanCare | $235 | 130% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Minneola District Hospital, the negotiated rates for in-network payers range from $151 to $235, with a median negotiated amount of $212. This figure is notably higher than the facility's cash price of $165, illustrating a common billing dynamic where insurance contracts often exceed self-pay rates due to administrative overhead and claim processing costs. While the facility is a Critical Access Hospital in Kansas, the data does not provide specific state or county average benchmarks for comparison. However, it is important to note that commercial negotiated rates frequently sit between 200% and 300% of the Medicare rate of $181.34, whereas fair pricing is typically defined as 120% to 150% of this baseline. Patients with high-deductible plans may find that paying the cash price of $165 upfront is more cost-effective than having their insurance cover the higher negotiated rate, provided they have not yet met their deductible.
To ensure you are not overcharged, we recommend requesting an itemized billing audit before finalizing payment, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. If you receive a summary bill, insist on a detailed, line-by-line statement showing specific CPT codes to identify any discrepancies. Additionally, be aware of the No Surprises Act, which prohibits balance billing for out-of-network providers at in-network facilities for emergency and non-emergency services, protecting you from unexpected charges even if ancillary services like labs are billed separately. Finally, do not hesitate to ask the billing department about "self-pay" or "prompt-pay" discounts;