Speech therapy (group session)
Facility: Clearsky Rehabilitation Hospital Of Elwood St Joseph Llc
Billing Code: 92508 (CPT)
- CPT Billing Code: 92508
- Insurance Median: $40
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 1.66x 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 $24.05 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 |
|---|---|---|
| Multiplan | $38 | 158% |
| Cigna | $42 | 175% |
Consumer Guidance & Cost Commentary
For this speech therapy session at Clearsky Rehabilitation Hospital Of Elwood St Joseph Llc in Elwood, Kansas, the facility's negotiated rate of $40.00 is significantly higher than the state average, which is 1.7 times the Medicare benchmark of $24.05. While the facility's gross charge is $60.00, insurance plans like Multiplan and Cigna are contractually limited to paying $38.00 and $42.00 respectively, reflecting the administrative costs and network tiering that often inflate commercial rates above the true cost of care. Because these negotiated rates include overhead for claims processing and utilization reviews, they frequently exceed what a patient would pay out-of-pocket, making it worth verifying if a cash payment could result in lower total costs.
Patients should proactively contact the hospital to inquire about "self-pay" or "prompt-pay" discounts, which can reduce bills by 20% to 50% for upfront payments and bypass expensive insurance billing cycles. Since over 80% of hospital bills contain errors, it is advisable to request a detailed, itemized statement before agreeing to pay, ensuring no services were unbundled or double-charged. Additionally, while the No Surprises Act protects against balance billing for out-of-network providers at in-network facilities, patients should still review their specific plan details to confirm whether their deductible has been met, as paying the full negotiated rate without meeting this threshold can lead to unexpected out-of-pocket expenses.