CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Charlevoix Area Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $154
Cash Discount Price: $237
vs. Medicare Baseline: 0.85x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Charlevoix Area Hospital is $154. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $237. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.85x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$237

Average discount available for prompt cash payment at this facility.

Insurance Median

$154

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: $237 (131%)

Insurance Median: $154 (85%)

Cash: $237 (131% of Medicare)

Ins. Median: $154 (85% 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
Mclaren Health Plan	$60 - $260	33%
Meridian	$60 - $125	33%
Priority Health	$60 - $279	33%
UnitedHealthcare	$60 - $242	33%
Blue Cross Blue Shield	$61 - $258	34%
Aetna	$91 - $252	50%
Blue Care Network	$91 - $131	50%
Hap (Health Alliance Plan)	$91 - $267	50%
Medicare (plans)	$91 - $131	50%
Michigan Amish Medical Board	$91 - $131	50%
Molina	$91 - $142	50%
Northern Michigan Mennonite Group	$91 - $131	50%
Cigna	$117 - $279	65%
Asr Physicians Care Network	$137 - $223	76%
Nomi Health	$146 - $259	81%
Employee Benefits Logistics	$155 - $223	85%
Hospice Of Michigan	$167	92%
Enterprise Group Planning Employee Benefit Plan	$223	123%
First Health/Coventry Health/Community Care Network	$223	123%
Medical Cost Savings Solution	$223	123%
Provider Network Of America/Hma Group Health	$237 - $249	131%
Three Rivers Provider Network	$237	131%
Iba Health And Life Assurance Company	$257	142%
Cofinity	$259	143%
Preferred Medical Claim Solutions	$265	146%

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 $237.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90834.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Charlevoix Area Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90834.
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.