Psychotherapy session (45 minutes)
Facility: Memorial Hospital
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $154
- Cash Discount Price: $174
- vs. Medicare Baseline: 0.85x 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 - $106 | 23% |
| Tricare | $81 - $404 | 45% |
| Humana | $81 - $404 | 45% |
| Medicare (plans) | $82 - $408 | 45% |
| Ambetter / Centene | $89 - $444 | 49% |
| Coventry - All Other Plans | $145 - $727 | 80% |
| Preferred Healthcare-All Plans | $154 - $768 | 85% |
| Health Partners Of Kansas - All Plans | $154 - $768 | 85% |
| Wppa/Providers Care-All Plans | $226 - $1,131 | 125% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Memorial Hospital in Abilene, KS, the cash price is $174.00, which matches the facility's median negotiated rate of $154.00 and the cash median. While the gross charge listed is $174.00, patients should be aware that commercial payers like Tricare, Humana, and Medicare have negotiated rates ranging from $81 to $444, with the highest allowed amount reaching $1,131 for Wppa/Providers Care. Because the cash price is lower than the median negotiated rate of $154.00, paying out-of-pocket may be more cost-effective than using insurance, especially if your plan has a high deductible or if the insurer's allowed amount exceeds the cash price. It is advisable to confirm with the hospital whether "self-pay" or "prompt-pay" discounts are available, as these upfront payment incentives can further reduce the final bill.
This facility is a Critical Access Hospital in Kansas, and its pricing is benchmarked against the federal Medicare rate of $181.34. The facility's cash price of $174.00 is slightly below the Medicare amount, indicating a competitive rate relative to the government baseline. While the data does not provide specific county or state average comparisons for this specific CPT code, the facility's ownership by a Government Hospital District suggests adherence to regulated pricing structures. To ensure you receive the most accurate pricing, always request an itemized bill before payment, as summary invoices may obscure individual charges. If you receive a balance bill from an out-of-network provider, you may be eligible for protections under the No Surprises Act, which prevents