Psychotherapy session (60 minutes)
Facility: Cottonwood Springs Llc
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $194
- Cash Discount Price: $800
- vs. Medicare Baseline: 1.07x 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 | $160 | 88% |
| Multiplan/Phcs/Beech Street | $170 | 94% |
| Compsych | $188 | 104% |
| Healthsmart | $200 | 110% |
| Provider Networks Of America | $212 | 117% |
| Velocity National Provider Network | $212 | 117% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Cottonwood Springs Llc in Olathe, KS, the facility's cash price of $800.00 is significantly higher than the state average, which sits at $250.00. While commercial insurance plans like First Health and Multiplan/Phcs/Beech Street have negotiated rates of $160.00 and $170.00 respectively, these figures are still lower than the cash price. However, for patients with high-deductible plans who have not yet met their out-of-pocket maximum, paying the cash price of $800.00 upfront may be more cost-effective than having insurance pay a negotiated rate that could exceed $160.00 while the patient remains responsible for the deductible. It is important to verify your specific plan's allowed amount before scheduling, as some in-network contracts may result in higher patient costs than expected.
The facility's negotiated rates across six payers range from $160.00 to $212.00, with a median negotiated rate of $194.00. This median is notably lower than the cash price of $800.00, suggesting that using insurance coverage could reduce your total cost if your deductible is met. Additionally, the facility's gross charge of $250.00 is higher than the Medicare benchmark of $181.34, indicating a markup typical of commercial billing structures. If you receive a bill that exceeds these negotiated amounts, you should request an itemized billing audit to identify any errors, such as unbundled codes or services not rendered, as over 80% of hospital bills