CMS Price Transparency Data
Psychotherapy session (60 minutes)
Facility: Lowell General Hospital
Billing Code: 90837 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 90837
- Insurance Median: $109
- Cash Discount Price: $163
- vs. Medicare Baseline: 0.60x Medicare
The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Lowell General Hospital is $109. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $163. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.60x the Medicare baseline. Located in 295 Varnum Avenue, Lowell, MA.
Cash / Self-Pay
$163
Average discount available for prompt cash payment at this facility.
Insurance Median
$109
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: $163 (90%)
Insurance Median: $109 (60%)
Cash: $163 (90% of Medicare)
Ins. Median: $109 (60% 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.
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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 [100263] | $27 - $32 | 15% |
| Cigna | $32 - $116 | 18% |
| Allied Benefit Systems [100015] | $82 | 45% |
| Allied National Global Care [100107] | $82 | 45% |
| American Postal Workers [100089] | $82 | 45% |
| Amerihealth Caritas Nh [350007] | $82 | 45% |
| Assurant [100020] | $82 | 45% |
| Avmed Health Plan [100247] | $82 | 45% |
| Care One [950007] | $82 | 45% |
| Carecentrix Alternate [100257] | $82 | 45% |
| Compsych [100027] | $82 | 45% |
| Coresource [100285] | $82 | 45% |
| Coverage Discovery [100306] | $82 | 45% |
| D'Youville Senior Care [950003] | $82 | 45% |
| Employee Benefit Management [100033] | $82 | 45% |
| Eyemed [100290] | $82 | 45% |
| First Health [100278] | $82 | 45% |
| Geha [100039] | $82 | 45% |
| Generic Commercial [109999] | $82 | 45% |
| Group And Pension Administrators [100043] | $82 | 45% |
| Ibew Local 103 [100272] | $82 | 45% |
| Lowell Comm Health Center [950009] | $82 | 45% |
| Medicaid / KanCare | $82 - $233 | 45% |
| Medicare (plans) | $82 | 45% |
| Mutual Of Omaha [100074] | $82 | 45% |
| National Association Of Letter Carriers [100067] | $82 | 45% |
| National Elevator Ind Hlth Benefits [100273] | $82 | 45% |
| Norfolk County [500013] | $82 | 45% |
| Northwood Rehabilitation & Health [950004] | $82 | 45% |
| Nova Healthcare Administrators [100270] | $82 | 45% |
| Palm Manor [950005] | $82 | 45% |
| Plymouth County [500019] | $82 | 45% |
| Spectera [100291] | $82 | 45% |
| Sunny Acres Nursing Home [950006] | $82 | 45% |
| Tall Tree Administrators [100271] | $82 | 45% |
| Ultra Benefits [100280] | $82 | 45% |
| Wellsense Nh [350010] | $82 | 45% |
| Allaracare [100163] | $107 | 59% |
| Wc Acadia Insurance Company [700108] | $109 | 60% |
| Wc Aig [700029] | $109 | 60% |
| Wc Aim Mutual Insurance [700054] | $109 | 60% |
| Wc Alternative Service Concept [700065] | $109 | 60% |
| Wc Ameritrust [700066] | $109 | 60% |
| Wc Arrow Mutual Liability [700063] | $109 | 60% |
| Wc Atlantic Charter [700064] | $109 | 60% |
| Wc Berkshire Hathaway [700046] | $109 | 60% |
| Wc Boston Police And Firefighter [700061] | $109 | 60% |
| Wc Broadspire [700043] | $109 | 60% |
| Wc Careworks [700109] | $109 | 60% |
| Wc Cbcs [700110] | $109 | 60% |
| Wc Ccmsi [700055] | $109 | 60% |
| Wc Chubb Group [700067] | $109 | 60% |
| Wc Cic/Mcmc [700068] | $109 | 60% |
| Wc City Of Boston [700111] | $109 | 60% |
| Wc City Of Cambridge [700069] | $109 | 60% |
| Wc City Of Chelsea [700070] | $109 | 60% |
| Wc City Of Everett [700071] | $109 | 60% |
| Wc City Of Lowell [700062] | $109 | 60% |
| Wc City Of Lynn [700072] | $109 | 60% |
| Wc City Of Medford [700073] | $109 | 60% |
| Wc City Of Melrose Police [700112] | $109 | 60% |
| Wc City Of Melrose [700113] | $109 | 60% |
| Wc City Of Newton [700074] | $109 | 60% |
| Wc City Of Peabody [700075] | $109 | 60% |
| Wc City Of Revere [700076] | $109 | 60% |
| Wc City Of Somerville [700077] | $109 | 60% |
| Wc Cna [700048] | $109 | 60% |
| Wc Commonwealth Of Mass [700056] | $109 | 60% |
| Wc Consigly Construction [700079] | $109 | 60% |
| Wc Constitution State Services [700114] | $109 | 60% |
| Wc Continental Indemnity Co [700078] | $109 | 60% |
| Wc Corvel [700115] | $109 | 60% |
| Wc Cove Risk Services [700080] | $109 | 60% |
| Wc Creative Risk Solutions [700081] | $109 | 60% |
| Wc Crum & Forster [700082] | $109 | 60% |
| Wc Demoulas Supermarket [700083] | $109 | 60% |
| Wc Emc Insurance Company [700084] | $109 | 60% |
| Wc Energy Of Environmental Affairs [700085] | $109 | 60% |
| Wc Esis [700010] | $109 | 60% |
| Wc Federated Work Comp [700012] | $109 | 60% |
| Wc Future Comp [700116] | $109 | 60% |
| Wc Gallagher Bassett Work Comp [700013] | $109 | 60% |
| Wc Geico [700057] | $109 | 60% |
| Wc Generic Workers' Comp [709999] | $109 | 60% |
| Wc Gowry Group [700086] | $109 | 60% |
| Wc Hartford Insurance [700058] | $109 | 60% |
| Wc Hrd/Workers Compensation Unit [700087] | $109 | 60% |
| Wc Liberty Mutual Work Comp [700016] | $109 | 60% |
| Wc Mapfre Insurance [700089] | $109 | 60% |
| Wc Mass Nahro Insurance Group Trust [700090] | $109 | 60% |
| Wc Mass State Police [700091] | $109 | 60% |
| Wc Mbta [700092] | $109 | 60% |
| Wc Meditrol [700093] | $109 | 60% |
| Wc Memic [700117] | $109 | 60% |
| Wc Metlife [700094] | $109 | 60% |
| Wc Miia [700095] | $109 | 60% |
| Wc Ml Healthcare Services Llc [700119] | $109 | 60% |
| Wc Norfolk & Dedham Group [700096] | $109 | 60% |
| Wc Norguard Ins Co [700097] | $109 | 60% |
| Wc One Call Medical [700060] | $109 | 60% |
| Wc Plumbers Union Local No 12 [700098] | $109 | 60% |
| Wc Plymouth Rock [700099] | $109 | 60% |
| Wc Pma Work Comp [700031] | $109 | 60% |
| Wc Progressive Direct Insurance Co [700106] | $109 | 60% |
| Wc Retail Business Services Llc [700100] | $109 | 60% |
| Wc Rising Medical Solution [700101] | $109 | 60% |
| Wc Sedgwick [700027] | $109 | 60% |
| Wc Selective Insurance Co [700118] | $109 | 60% |
| Wc Sentry [700036] | $109 | 60% |
| Wc Sutter House [700102] | $109 | 60% |
| Wc Town Of Andover Fire Dept [700103] | $109 | 60% |
| Wc Town Of Arlington [700104] | $109 | 60% |
| Wc Travelers Insurance [700059] | $109 | 60% |
| Wc Us Department Of Labor [700023] | $109 | 60% |
| Wc Vermont Mutual Insurance Group [700105] | $109 | 60% |
| Wc York Risk Services [700049] | $109 | 60% |
| Wc Zurich [700034] | $109 | 60% |
| Harvard Pilgrim Healthcare [100241] | $121 | 67% |
| Health Plans Inc [100262] | $121 | 67% |
| UnitedHealthcare | $121 | 67% |
| Tufts Health Public Plan Connectorcare [100264] | $128 - $132 | 71% |
| Coventry [100010] | $184 | 101% |
| Claritev/Multiplan [100275] | $194 | 107% |
| Cypress Benefit Administrators [100122] | $194 | 107% |
| Health New England [100268] | $194 | 107% |
| Patient Advocates [100307] | $194 | 107% |
| Wellpoint [100139] | $194 | 107% |
| Blue Benefits Administrators [100267] | $213 | 117% |
| Blue Cross Blue Shield | $213 - $220 | 117% |
| Aetna | $214 | 118% |
| Meritain [100063] | $214 | 118% |