CMS Price Transparency Data

Family therapy session

Facility: Medstar Harbor Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $89
Cash Discount Price: $87
vs. Medicare Baseline: 0.49x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Medstar Harbor Hospital is $89. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $87. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.49x the Medicare baseline. Located in 3001 South Hanover Street, Baltimore, MD.

Cash / Self-Pay

$87

Average discount available for prompt cash payment at this facility.

Insurance Median

$89

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: $87 (48%)

Insurance Median: $89 (49%)

Cash: $87 (48% of Medicare)

Ins. Median: $89 (49% 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
Aetna	$59 - $119	33%
Amerigroup	$59 - $119	33%
Amerihealth Caritas District Of Columbia	$59 - $119	33%
Carefirst Advantage Inc	$59 - $119	33%
Carefirst Blue Choice Inc	$59 - $119	33%
Cigna	$59 - $119	33%
First Health	$59 - $119	33%
Hscsn	$59 - $119	33%
Humana	$59 - $119	33%
Kaiser Permanente	$59 - $119	33%
Magellan Behavioral Health Inc	$59 - $119	33%
Mamsi	$59 - $119	33%
Medstar Family Choice	$59 - $119	33%
Medstar Family Choice Inc	$59 - $119	33%
Ncppo Healthlink Ppo	$59 - $119	33%
Pfc	$59 - $119	33%
Private Healthcare Systems (Phcs)	$59 - $119	33%
Tricare	$59 - $119	33%
United Behavioral Health Inc	$59 - $119	33%
UnitedHealthcare	$59 - $119	33%

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 $87.
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 Medstar Harbor Hospital 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.