Family therapy session
Facility: Cottonwood Springs Llc
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $202
- Cash Discount Price: $800
- 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 |
|---|---|---|
| First Health | $128 - $234 | 71% |
| Multiplan/Phcs/Beech Street | $136 - $248 | 75% |
| Compsych | $150 - $274 | 83% |
| Healthsmart | $160 - $292 | 88% |
| Velocity National Provider Network | $170 - $310 | 94% |
| Provider Networks Of America | $170 - $310 | 94% |
Consumer Guidance & Cost Commentary
For this family therapy session at Cottonwood Springs Llc in Olathe, KS, the cash price is $800.00, which is significantly higher than the facility's negotiated rates of $202.00. While insurance plans like First Health and Multiplan/Phcs/Beech Street have negotiated ceilings ranging from $128 to $248, these amounts are often inflated by administrative costs and may not reflect the true cost of care. Because commercial rates can sometimes exceed cash prices, patients with high-deductible plans might find paying out-of-pocket cheaper if their insurance allowed amount is higher than the cash rate. It is important to verify your specific plan's allowed amount before scheduling, as assuming in-network status guarantees the lowest price is a common misconception.
To ensure you are not overcharged, always request a full itemized bill before paying, as summary invoices can hide unbundled codes or services not rendered. If you receive a balance bill for the difference between the provider's chargemaster and your insurance payment, remember that the No Surprises Act protects you from these surprise bills for non-emergency services at in-network facilities. Additionally, ask the facility about prompt-pay discounts, which can reduce your bill by 20% to 50% if paid upfront, bypassing the costly insurance claims process. Since the facility is proprietary and located in a specific zip code, comparing these rates to local averages helps identify if the pricing aligns with fair market value for psychiatric services in this region.