Family therapy session
Facility: Girard Medical Center
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $144
- Cash Discount Price: $247
- vs. Medicare Baseline: 0.79x 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 - $144 | 70% |
| Aetna | $144 - $721 | 79% |
| Medicare (plans) | $144 | 79% |
| UnitedHealthcare | $144 | 79% |
| Humana | $144 | 79% |
| Kansas Superior Select-All Plans | $144 | 79% |
| Ambetter / Centene | $144 | 79% |
| Multiplan-All Plans | $381 | 210% |
Consumer Guidance & Cost Commentary
This CPT code for a family therapy session at Girard Medical Center in Girard, KS, reflects a gross charge of $412.00, with a cash median of $247.00 and a negotiated median of $144.00. While the facility is a Critical Access Hospital owned by a Government Hospital District, the negotiated rates for in-network payers like Aetna and Blue Cross Blue Shield range from $144 to $721, which can be significantly higher than the cash price. Patients with high-deductible plans may find it financially advantageous to pay the cash median of $247.00 directly, as this amount is lower than the maximum negotiated rates charged by some commercial insurers. To secure the lowest possible price, it is recommended to contact the hospital directly to inquire about self-pay or prompt-pay discounts, which can further reduce the cost of the service.
For billing transparency, it is important to distinguish between the facility's gross charges and the actual amounts paid by insurance. The Medicare benchmark for this service is $181.34, which serves as a reliable baseline for evaluating the facility's pricing markup rather than the inflated chargemaster list price. Although the data does not provide specific state or county average comparisons for this exact procedure, the facility's negotiated rates vary widely among the eight payers listed, with some plans paying as high as $721.00. Consumers should avoid accepting summary bills and instead request a detailed, itemized statement to verify that no unbundled codes or services not rendered have been charged. If a balance bill arises from an out-of-network ancillary service, patients should utilize the No Surprises