Family therapy session
Facility: Memorial Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $238
- Cash Discount Price: $252
- vs. Medicare Baseline: 1.31x 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 | $41 - $135 | 23% |
| Tricare | $102 - $452 | 56% |
| Ambetter / Centene | $112 - $497 | 62% |
| Humana | $126 - $452 | 69% |
| Medicare (plans) | $127 - $457 | 70% |
| Coventry - All Other Plans | $226 - $814 | 125% |
| Preferred Healthcare-All Plans | $238 - $859 | 131% |
| Health Partners Of Kansas - All Plans | $238 - $859 | 131% |
| Wppa/Providers Care-All Plans | $351 - $1,266 | 194% |
Consumer Guidance & Cost Commentary
For a family therapy session (CPT 90847) at Memorial Hospital in Abilene, KS, the cash price is $252.00, which matches the facility's median negotiated rate of $238.00 and the cash median. This rate is significantly higher than the Medicare benchmark of $181.34, reflecting a markup of 130% above the federal baseline. While commercial insurance plans like Blue Cross Blue Shield and Tricare negotiate rates ranging from $41 to $859 depending on the specific plan, the cash price remains competitive for patients without insurance. Because the cash price is lower than many commercial negotiated rates, paying out-of-pocket may result in immediate savings, particularly for those with high-deductible plans who have not yet met their coverage thresholds.
Patients should verify if the facility offers self-pay or prompt-pay discounts before scheduling, as these upfront payment incentives can further reduce the final bill by bypassing administrative claim processing costs. Although the hospital is a Critical Access Hospital owned by a government district, the charged rate exceeds the state average for this service category. To ensure you are receiving the most accurate pricing, request a full itemized bill that lists specific CPT codes rather than accepting a summary invoice, and always confirm whether your insurance submission will be waived to avoid unexpected balance billing.