Psychotherapy session (60 minutes)
Facility: Children'S Mercy South
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $201
- Cash Discount Price: $184
- vs. Medicare Baseline: 1.11x 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 | $121 - $252 | 67% |
| Healthy Blue | $130 - $187 | 72% |
| Medicaid / KanCare | $131 | 72% |
| Healthlink | $152 | 84% |
| Wppa Providrs Care | $175 | 97% |
| Health Midwest Comprehensive Care | $176 | 97% |
| Home State Health | $187 | 103% |
| American Healthcare Alliance | $192 | 106% |
| Blue Cross Blue Shield | $201 | 111% |
| Medica | $224 | 124% |
| Humana | $230 | 127% |
| Orscheln | $233 | 128% |
| Nebraska Furniture Mart | $234 | 129% |
| Wellfit/Centrus | $244 | 135% |
| Centivo | $251 | 138% |
| Cigna | $253 | 140% |
| Mercy Health | $280 | 154% |
| Coxhealth Network | $284 | 157% |
| National Preferred Provider Network | $338 | 186% |
Consumer Guidance & Cost Commentary
For a 60-minute psychotherapy session at Children's Mercy South in Overland Park, Kansas, the cash price is $184.00, which is significantly lower than the facility's gross charge of $384.00. While the facility's negotiated rates with insurance payers range from $121 to $338, the cash price of $184.00 is notably lower than the median negotiated rate of $201.00. This suggests that patients with high-deductible plans or those without insurance may find it financially advantageous to pay the cash price directly, as it avoids the administrative overhead and markup inherent in insurance billing cycles. To secure the best possible rate, patients should explicitly ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront incentives can further reduce the final cost.
When evaluating the facility's pricing against broader benchmarks, it is important to compare rates to the Medicare amount of $181.34 rather than the inflated gross charges. The facility's cash price of $184.00 is slightly higher than the Medicare rate, reflecting the specific cost structure of this voluntary non-profit children's facility in the Overland Park area. Commercial insurance contracts often result in negotiated rates that average 200% to 300% of the Medicare rate, but this specific service shows a more modest variation, with the lowest payer rate at $121 and the highest at $338. Consumers should be aware that while the facility is in-network for many plans, the actual amount paid by the insurer varies widely depending on the specific plan and payer, so verifying the allowed amount