Family therapy session
Facility: Mitchell County Hospital Health Systems
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $347
- Cash Discount Price: $338
- vs. Medicare Baseline: 1.91x 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 | $127 | 70% |
| UnitedHealthcare | $181 - $375 | 100% |
| Triwest Well Mark All Plans | $319 | 176% |
| First Health-All Plans | $338 | 186% |
| Pref Hlth Care Sytms Comm - All Plans | $338 | 186% |
| Aetna | $338 | 186% |
| Multiplan Ppo - All Plans | $356 | 196% |
| Phc Leased Ntwrk Access - All Plans | $356 | 196% |
| Auxiant-All Plans | $356 | 196% |
| Cigna | $371 | 205% |
| Health Partners Ks-All Plans | $371 | 205% |
Consumer Guidance & Cost Commentary
For this family therapy session at Mitchell County Hospital Health Systems in Beloit, KS, the cash price is $338, which matches the facility's median negotiated rate but is significantly lower than the state average of $356. While many insurance plans negotiate rates that exceed the cash price, paying out-of-pocket can sometimes be the most cost-effective option for patients with high-deductible plans who have not yet met their coverage threshold. Because the facility is a Critical Access Hospital owned by the local government, patients should proactively ask about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront fee reductions can bypass the administrative overhead and higher negotiated rates typically charged to commercial insurers.
The Medicare benchmark for this service is $181.34, which serves as a baseline to evaluate the facility's pricing markup. The facility's cash rate of $338 represents a 1.9x multiplier compared to the Medicare amount, which is consistent with the typical range where commercial rates average 200% to 300% of Medicare, though fair pricing is often defined between 120% and 150%. If you are billed a higher amount than the cash price after insurance processing, it may be due to balance billing from out-of-network ancillary services or a lack of a contract with your specific plan. To avoid unexpected costs, always request an itemized bill to verify that no services were unbundled or double-charged, and consider disputing any balance bills that exceed the No Surprises Act protections for emergency or non-emergency care at in-network facilities.