CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Sanford Bemidji Medical Center

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $233
Cash Discount Price: $266
vs. Medicare Baseline: 1.28x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Sanford Bemidji Medical Center is $233. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $266. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.28x the Medicare baseline. Located in 1300 Anne St Nw, Bemidji, MN.

Cash / Self-Pay

$266

Average discount available for prompt cash payment at this facility.

Insurance Median

$233

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: $266 (147%)

Insurance Median: $233 (128%)

Cash: $266 (147% of Medicare)

Ins. Median: $233 (128% 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
Blue Cross Blue Shield	$115 - $564	63%
Sanford Health Plan Align	$150	83%
Sanford Health Plan	$151 - $203	83%
Ucare	$161 - $233	89%
Aetna	$162 - $272	89%
Health Partners	$162 - $232	89%
Medicare (plans)	$162	89%
UnitedHealthcare	$162 - $277	89%
Primewest	$166 - $177	92%
Security Health Plan	$183	101%
Medica	$279 - $298	154%
Cigna	$299	165%
First Choice Health Network	$299	165%
Healthez	$299	165%
Multiplan	$299	165%

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 $266.
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 Sanford Bemidji Medical Center 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.