CMS Price Transparency Data

Family therapy session

Facility: North Adams Regional Hospital Corporation

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $193
Cash Discount Price: $296
vs. Medicare Baseline: 1.06x Medicare

The contracted insurance negotiated median rate for a Family therapy session at North Adams Regional Hospital Corporation is $193. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $296. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.06x the Medicare baseline. Located in 71 Hospital Avenue, North Adams, MA.

Cash / Self-Pay

$296

Average discount available for prompt cash payment at this facility.

Insurance Median

$193

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: $296 (163%)

Insurance Median: $193 (106%)

Cash: $296 (163% of Medicare)

Ins. Median: $193 (106% 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
Medicaid / KanCare	$72 - $137	40%
Wc Workers Comp	$89 - $189	49%
Tricare	$105 - $117	58%
Medicare (plans)	$110 - $118	61%
Comm Hospice	$112 - $117	62%
Mcr Miscellaneous	$112 - $117	62%
Mcrmanaged Usa Family	$112 - $117	62%
Mcrmanaged Va	$112 - $117	62%
Oth United Vaccn	$112	62%
Blue Cross Blue Shield	$116 - $264	64%
Mcrmanaged Cca One Care	$116 - $126	64%
Comm Fallon Qhp	$157 - $176	87%
Aetna	$161 - $235	89%
Comm Network Qhpsub	$176 - $188	97%
Mcdmanaged Network	$176 - $190	97%
Comm Hne Hmo	$181 - $215	100%
Comm Hne	$193 - $227	106%
Comm Hne Ppo	$193 - $228	106%
Comm Network Qhpnonsub	$199 - $224	110%
Comm Nhp	$201	111%
Comm Unicare	$202 - $211	111%
Comm Tufts	$246	136%
UnitedHealthcare	$268	148%
Cigna	$280 - $289	154%
Comm Cdphp	$280	154%
Comm Mvp	$280	154%
Comm Oxford	$280	154%
Comm First Health	$289 - $296	159%
Comm Connecticare	$296	163%
Comm Consolidated Health	$296	163%
Comm Harvard	$296	163%
Comm Other	$296	163%
Comm Phcs	$296	163%
Comm Self Pay	$296	163%

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 $296.
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 North Adams Regional Hospital Corporation 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.