CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Charlevoix Area Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $210
Cash Discount Price: $224
vs. Medicare Baseline: 1.16x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Charlevoix Area Hospital is $210. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $224. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.16x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$224

Average discount available for prompt cash payment at this facility.

Insurance Median

$210

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: $224 (124%)

Insurance Median: $210 (116%)

Cash: $224 (124% of Medicare)

Ins. Median: $210 (116% 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	$89 - $245	49%
Meridian	$89 - $125	49%
Priority Health	$89 - $263	49%
UnitedHealthcare	$89 - $229	49%
Blue Cross Blue Shield	$90 - $243	50%
Blue Care Network	$124 - $135	68%
Hap (Health Alliance Plan)	$124 - $267	68%
Medicare (plans)	$124 - $135	68%
Michigan Amish Medical Board	$124 - $135	68%
Northern Michigan Mennonite Group	$124 - $135	68%
Aetna	$126 - $237	69%
Molina	$134 - $135	74%
Hospice Of Michigan	$158	87%
Cigna	$174 - $263	96%
Asr Physicians Care Network	$202 - $210	111%
Employee Benefits Logistics	$210 - $229	116%
Enterprise Group Planning Employee Benefit Plan	$210	116%
First Health/Coventry Health/Community Care Network	$210	116%
Medical Cost Savings Solution	$210	116%
Nomi Health	$215 - $245	119%
Provider Network Of America/Hma Group Health	$224 - $249	124%
Three Rivers Provider Network	$224	124%
Iba Health And Life Assurance Company	$242	133%
Cofinity	$245	135%
Preferred Medical Claim Solutions	$250	138%

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 $224.
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 Charlevoix Area Hospital 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.