Psychotherapy session (45 minutes)
Facility: Mitchell County Hospital Health Systems
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $340
- Cash Discount Price: $331
- vs. Medicare Baseline: 1.87x 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 | $100 | 55% |
| UnitedHealthcare | $181 - $368 | 100% |
| Triwest Well Mark All Plans | $313 | 173% |
| Pref Hlth Care Sytms Comm - All Plans | $331 | 183% |
| First Health-All Plans | $331 | 183% |
| Aetna | $331 | 183% |
| Multiplan Ppo - All Plans | $350 | 193% |
| Phc Leased Ntwrk Access - All Plans | $350 | 193% |
| Auxiant-All Plans | $350 | 193% |
| Health Partners Ks-All Plans | $364 | 201% |
| Cigna | $364 | 201% |
Consumer Guidance & Cost Commentary
For this psychotherapy session (45 minutes) at Mitchell County Hospital Health Systems in Beloit, KS, the facility's cash median rate is $331.00, which is lower than the state average of $350.00. While many insurance plans negotiate rates ranging from $100 to $368, patients with high-deductible plans may find paying the cash price directly more cost-effective, as the cash rate is often lower than the negotiated amount charged by commercial payers. To maximize savings, it is recommended to contact the hospital directly to inquire about self-pay or prompt-pay discounts, which can further reduce the final bill by offering immediate liquidity incentives that bypass standard claims processing fees.
The facility's cash rate of $331.00 is also significantly lower than the Medicare benchmark of $181.34, indicating a markup relative to the federal government's fixed reimbursement rate. Although the facility is a Critical Access Hospital owned by the local government, commercial negotiated rates vary widely among the 11 participating payers, with some plans paying as low as $100 and others up to $364. Patients should be aware that while the No Surprises Act protects against balance billing for out-of-network services at in-network facilities, it is essential to request an itemized billing audit before payment to ensure no unbundled codes or services not rendered are included in the final invoice.