CMS Price Transparency Data

Family therapy session

Facility: Sanford Bagley Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $575
Cash Discount Price: $540
vs. Medicare Baseline: 3.17x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Sanford Bagley Medical Center is $575. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $540. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 3.17x the Medicare baseline. Located in 203 4Th Street Northwest, Bagley, MN.

Cash / Self-Pay

$540

Average discount available for prompt cash payment at this facility.

Insurance Median

$575

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: $540 (298%)

Insurance Median: $575 (317%)

Cash: $540 (298% of Medicare)

Ins. Median: $575 (317% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 317% of the Medicare baseline (a markup of 217%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$163 - $625	90%
Ucare	$169 - $593	93%
Sanford Health Plan Align	$308	170%
Health Partners	$333 - $547	184%
Medicare (plans)	$333	184%
UnitedHealthcare	$333 - $564	184%
Primewest	$340 - $364	187%
Aetna	$362 - $587	200%
Security Health Plan	$371	205%
Sanford Health Plan	$533 - $627	294%
Medica	$593 - $639	327%
Cigna	$608	335%
First Choice Health Network	$608	335%
Healthez	$608	335%
Multiplan	$608	335%

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 $540.
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 Sanford Bagley Medical Center 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.