Psychotherapy session (45 minutes)
Facility: Cottonwood Springs Llc
Billing Code: 90834 (CPT)
- CPT Billing Code: 90834
- Insurance Median: $310
- Cash Discount Price: $400
- vs. Medicare Baseline: 1.71x 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% |
| United Behavioral Health | $132 - $328 | 73% |
| Multiplan/Phcs/Beech Street | $136 - $248 | 75% |
| Compsych | $150 - $274 | 83% |
| Healthsmart | $160 - $292 | 88% |
| Provider Networks Of America | $170 - $310 | 94% |
| Velocity National Provider Network | $170 - $404 | 94% |
| Ambetter / Centene | $175 - $425 | 97% |
| Bluekc | $190 - $350 | 105% |
| Mercy Managed Health Network | $206 - $361 | 114% |
| Blue Cross Blue Shield | $226 - $412 | 125% |
| Aetna | $246 - $471 | 136% |
| Cigna | $251 - $427 | 138% |
| Va Ccn | $261 - $384 | 144% |
| Humana | $261 - $433 | 144% |
| Allwell | $261 - $384 | 144% |
| Beacon | $262 - $457 | 144% |
| Tricare | $263 - $347 | 145% |
| Mhnet | $277 - $492 | 153% |
| Magellan | $315 - $479 | 174% |
| Behavioral Health System | $332 - $486 | 183% |
| Mines & Associates | $350 - $600 | 193% |
| Alliance Coal Health Plan | $350 - $550 | 193% |
| American Behavioral | $375 - $580 | 207% |
| Healthspring | $384 | 212% |
| First Choice Health Network | $670 | 369% |
| 6Degrees Health | $710 - $895 | 392% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Cottonwood Springs Llc in Olathe, KS, the facility's cash price of $400.00 is significantly higher than the state average for this service, which is approximately $232.00 (calculated as 1.7 times the Medicare rate of $181.34). While commercial insurance plans offer negotiated rates ranging from $128 to $895, many of these in-network amounts exceed the cash price, meaning patients with high-deductible plans might save money by paying out-of-pocket. It is important to note that while the No Surprises Act protects patients from balance billing for emergency services at in-network facilities, non-emergency outpatient services like this therapy session may still result in balance billing if the provider is out-of-network or if ancillary services are billed separately. Patients should verify their specific plan's allowed amount and consider requesting a prompt-pay discount before scheduling to avoid unexpected costs.
The facility's cash rate of $400.00 also exceeds the median negotiated rate of $310.00 observed across payers, suggesting that direct payment may be more cost-effective than relying on insurance for this specific procedure. However, patients must be cautious of summary bills that obscure individual charges; requesting a full itemized audit is essential to identify any unbundled codes or services not rendered, as over 80% of hospital bills contain errors that can be corrected. Since the facility is proprietary and located in a specific geographic area, the local wage index influences the Medicare benchmark, making the $181.34 federal rate a reliable baseline for evaluating the facility's markup. Ultimately, consumers should compare the cash