Family therapy session
Facility: Children'S Mercy South
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $195
- Cash Discount Price: $141
- vs. Medicare Baseline: 1.08x 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 |
|---|---|---|
| UnitedHealthcare | $77 - $211 | 42% |
| Medicaid / KanCare | $83 | 46% |
| Healthy Blue | $83 - $126 | 46% |
| Wppa Providrs Care | $119 | 66% |
| Home State Health | $126 | 69% |
| Healthlink | $127 | 70% |
| Health Midwest Comprehensive Care | $134 | 74% |
| Quiktrip | $141 | 78% |
| American Healthcare Alliance | $146 | 81% |
| Blue Cross Blue Shield | $161 - $205 | 89% |
| Medica | $171 | 94% |
| Aetna | $180 - $214 | 99% |
| Wellfit/Centrus | $186 | 103% |
| Multiplan | $190 | 105% |
| Centivo | $192 | 106% |
| Humana | $193 | 106% |
| Orscheln | $195 | 108% |
| Nebraska Furniture Mart | $197 | 109% |
| Mercy Health | $214 | 118% |
| Coxhealth Network | $217 | 120% |
| Cigna | $218 | 120% |
| Coventry Health Care Of Kansas | $228 | 126% |
| National Preferred Provider Network | $258 | 142% |
Consumer Guidance & Cost Commentary
For the CPT code 90847 representing a family therapy session at Children's Mercy South in Overland Park, Kansas, the facility's cash median price is $141.00, which is significantly lower than the state average of $195.00. While many commercial payers negotiate rates ranging from $77 to $258, the cash price offers a substantial discount for patients without insurance or those with high-deductible plans. It is important to note that while insurance negotiated rates often exceed cash prices due to administrative overhead and contract structures, patients should verify their specific plan's deductible status before relying on insurance, as paying out-of-pocket may result in immediate savings.
To ensure you are not overcharged, we recommend requesting a full itemized bill that lists every specific CPT code and service rendered, as summary bills can obscure errors or unbundled charges. Additionally, if you receive a balance bill for out-of-network services, you may be protected under the No Surprises Act, which prohibits providers from billing you for the difference between their full rate and your insurance's allowed amount for emergency care and non-emergency services at in-network facilities. Finally, before scheduling any appointments, ask the billing department about self-pay or prompt-pay discounts, which can reduce your total cost by 20% to 50% if you pay in full upfront, bypassing the costly claims processing cycle that inflates insurance rates.