Psychotherapy session (60 minutes)
Facility: Amberwell Atchison Association
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $215
- Cash Discount Price: $420
- vs. Medicare Baseline: 1.19x 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 |
|---|---|---|
| Superior Select Mcr Adv - All Plans | $139 | 77% |
| Triwest - All Plans | $139 | 77% |
| UnitedHealthcare | $139 - $754 | 77% |
| Va Ccn - All Plans | $139 | 77% |
| Humana | $139 - $189 | 77% |
| Blue Cross Blue Shield | $144 - $151 | 79% |
| Ambetter / Centene | $215 | 119% |
| Cigna | $231 | 127% |
| Aetna | $231 | 127% |
| Oscar - All Plans | $315 | 174% |
| Centrus Health Direct - All Plans | $315 | 174% |
| Multiplan - All Plans | $328 | 181% |
| Wppa Providrs Care - All Plans | $378 | 208% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Amberwell Atchison Association, the cash price is $420.00, which matches the facility's median negotiated rate and the state average for this service. While the facility is a Critical Access Hospital in Atchison, KS, the data indicates that the cash price is significantly higher than the Medicare benchmark of $181.34, reflecting a markup common in commercial billing structures. Patients with high-deductible plans may find paying out-of-pocket cheaper than using insurance, as the negotiated rate of $223.00 represents the maximum amount insurers typically pay, but this does not necessarily mean the patient pays less than the cash price if their deductible has not yet been met.
It is important to verify your specific plan details before scheduling, as commercial payers like UnitedHealthcare and Humana have negotiated rates ranging from $139 to $189, which are lower than the cash price but may still result in higher out-of-pocket costs depending on your deductible status. To potentially lower your bill, you should contact the facility directly to inquire about "self-pay" or "prompt-pay" discounts, which can reduce the total amount owed by 20% to 50% if paid in full upfront. Additionally, if you receive an itemized bill, request a full line-by-line audit to ensure no errors, unbundled codes, or services not rendered are included, as over 80% of hospital bills contain discrepancies that can be corrected through a formal written dispute.