CMS Price Transparency Data

Speech therapy (group session)

Facility: Holyoke Medical Center

Billing Code: 92508 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 92508
Insurance Median: $30
Cash Discount Price: $98
vs. Medicare Baseline: 1.25x Medicare

The contracted insurance negotiated median rate for a Speech therapy (group session) at Holyoke Medical Center is $30. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $98. Compared to the federal Medicare reimbursement reference rate of $24.05, this hospital’s rate is 1.25x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$98

Average discount available for prompt cash payment at this facility.

Insurance Median

$30

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$24.05

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $24.05 (100%)

Cash / Self-Pay: $98 (407%)

Insurance Median: $30 (125%)

Cash: $98 (407% of Medicare)

Ins. Median: $30 (125% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $24.05 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
Aetna	$25 - $123	104%
Blue Cross Blue Shield	$25 - $57	104%
Health New England	$25 - $149	104%
Tufts Health Plan	$25 - $32	104%
UnitedHealthcare	$25 - $207	104%
Commonwealth Care Alliance	$26	108%
Wellsense Sco	$26	108%
Fallon	$27 - $82	112%
Wellcare	$27	112%
Senior Whole Health	$29	121%
Tufts Health Public Plans	$30	125%
Gic Unicare	$62	258%
Bmchp	$82	341%
Wellsense Direct Metals Silver	$102	424%
Harvard Pilgrim	$123	511%
Cigna	$170	707%

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 $98.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 92508.

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 92508.
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.