Psychotherapy session (45 minutes)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $124
- Cash Discount Price: $170
- vs. Medicare Baseline: 0.68x 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 |
|---|---|---|
| Tricare | $69 - $78 | 38% |
| Medadv_Allwell | $72 - $124 | 40% |
| Va_Ccn | $72 - $124 | 40% |
| Humana | $72 - $124 | 40% |
| Aetna | $72 - $124 | 40% |
| Medadv_Uhc | $72 - $124 | 40% |
| Blue Cross Blue Shield | $72 - $124 | 40% |
| Medicare (plans) | $72 - $124 | 40% |
| Ambetter / Centene | $113 - $130 | 62% |
| United | $187 - $210 | 103% |
| Wppa_Providrscare | $187 - $210 | 103% |
| Hpk | $214 - $240 | 118% |
| Cigna | $214 - $240 | 118% |
| Coventry | $214 - $240 | 118% |
Consumer Guidance & Cost Commentary
For a psychotherapy session at Neosho Memorial Regional Medical Center in Chanute, KS, the facility's cash price of $170.00 is notably lower than the gross charge of $227.00. While commercial insurance plans like United and Hpk negotiate rates between $187 and $240, the cash rate may offer significant savings for patients with high-deductible plans or those who can pay upfront. Because the facility is a Critical Access Hospital with government ownership, patients should proactively ask about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront incentives can bypass the administrative overhead that often inflates commercial negotiated rates.
The facility's negotiated rate of $124.00 sits below the gross charge but remains higher than the cash price, illustrating how insurance contracts can sometimes result in higher out-of-pocket costs depending on the patient's deductible status. When comparing this to the state of Kansas, the cash rate of $170.00 is higher than the state average for this service, though the specific county average is not available in the provided data. To ensure you are not overpaying, it is essential to verify your specific plan's allowed amount and request an itemized bill to confirm that no balance billing or unbundled charges are included, especially given that federal protections like the No Surprises Act may apply to certain out-of-network ancillary services at this in-network facility.