CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Berkshire Medical Center

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $218
Cash Discount Price: $282
vs. Medicare Baseline: 1.20x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Berkshire Medical Center is $218. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $282. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.20x the Medicare baseline. Located in 725 North Street, Pittsfield, MA.

Cash / Self-Pay

$282

Average discount available for prompt cash payment at this facility.

Insurance Median

$218

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: $282 (156%)

Insurance Median: $218 (120%)

Cash: $282 (156% of Medicare)

Ins. Median: $218 (120% 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
Fallon	$106 - $269	58%
Cdphp	$108 - $267	60%
Health New England	$108 - $287	60%
Mbhp	$108	60%
Mcd Out Of State	$108	60%
Medicaid / KanCare	$108	60%
Bmchnp	$140	77%
Other Government	$158 - $228	87%
Blue Cross Blue Shield	$160 - $252	88%
Comm Tufts Qhpsub (Network)	$167 - $179	92%
Point32Health	$167 - $282	92%
Medicare (plans)	$168 - $224	93%
Hospice	$171 - $228	94%
UnitedHealthcare	$171 - $255	94%
Commcare Alliance	$177 - $269	98%
Workers Comp	$180	99%
Aetna	$192 - $224	106%
Allways Nhp	$192	106%
Unicare	$192 - $251	106%
Comm Hne Hmo	$204 - $270	112%
Comm Hne Ppo	$217 - $287	120%
Beacon	$252 - $267	139%
Cigna	$267 - $276	147%
Mvp	$267	147%
Oxford	$267	147%
First Health	$276 - $282	152%
Connecticare	$282	156%
Consolidated Health Plans	$282	156%
Other Commercial	$282	156%
Phcs	$282	156%
Self Pay	$282	156%

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 $282.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90837.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Berkshire Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90837.
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.