CMS Price Transparency Data

Family therapy session

Facility: Holyoke Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $180
Cash Discount Price: $224
vs. Medicare Baseline: 0.99x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Holyoke Medical Center is $180. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $224. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.99x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$224

Average discount available for prompt cash payment at this facility.

Insurance Median

$180

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: $224 (124%)

Insurance Median: $180 (99%)

Cash: $224 (124% of Medicare)

Ins. Median: $180 (99% 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 Health Plan	$31 - $171	17%
Bmchp	$134	74%
Fallon	$134 - $188	74%
Health New England	$134 - $171	74%
Wellsense Direct Metals Silver	$167	92%
Aetna	$171	94%
Blue Cross Blue Shield	$171 - $206	94%
UnitedHealthcare	$171 - $180	94%
Commonwealth Care Alliance	$180	99%
Wellsense Sco	$182	100%
Wellcare	$183	101%
Cigna	$197	109%
Senior Whole Health	$197	109%
Tufts Health Public Plans	$205	113%

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 $224.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90847.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Holyoke Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90847.
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.