CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: UMass Memorial Healthalliance Hospitals

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $294
Cash Discount Price: $630
vs. Medicare Baseline: 1.62x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at UMass Memorial Healthalliance Hospitals is $294. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $630. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.62x the Medicare baseline. Located in 60 Hospital Road, Leominster, MA.

Cash / Self-Pay

$630

Average discount available for prompt cash payment at this facility.

Insurance Median

$294

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$181.34

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $181.34 (100%)

Cash / Self-Pay: $630 (347%)

Insurance Median: $294 (162%)

Cash: $630 (347% of Medicare)

Ins. Median: $294 (162% of 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.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Tufts [11201]	$28	15%
Cigna	$30 - $597	17%
Blue Cross Blue Shield	$32 - $236	18%
Medicaid / KanCare	$68 - $328	37%
Champva [11001]	$93	51%
Workers Compensation [20501]	$207	114%
UnitedHealthcare	$214 - $630	118%
Medicare (plans)	$215	119%
Hsno/Free Care [10801]	$294	162%
Harvard Pilgrim [10701]	$315	174%
Institution [10406]	$334	184%
Hne [11108]	$351	194%
Aetna	$412	227%
Wellpoint [11112]	$464	256%
First Health Network [11120]	$472	260%
Multiplan [11109]	$472	260%
Fallon Connectorcare [10503]	$473	261%
Connecticare [11105]	$630	347%
Fallon Carelon Hlth [28]	$630	347%
Fallon Mcaid Carelon Hlth [29]	$630	347%
Grants [20507]	$630	347%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $630.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90834.

Insurance In-Network Protection Plan

Contact your insurance company to confirm UMass Memorial Healthalliance Hospitals is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90834.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.