CMS Price Transparency Data

Family therapy session

Facility: Perham Health

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $134
Cash Discount Price: $242
vs. Medicare Baseline: 0.74x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Perham Health is $134. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $242. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.74x the Medicare baseline. Located in 1000 Coney Street West, Perham, MN.

Cash / Self-Pay

$242

Average discount available for prompt cash payment at this facility.

Insurance Median

$134

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: $242 (133%)

Insurance Median: $134 (74%)

Cash: $242 (133% of Medicare)

Ins. Median: $134 (74% 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	$104 - $252	57%
Health Partners Mcr Adv	$127	70%
Humana	$127	70%
Medica Mcr Adv	$127	70%
Medicare (plans)	$127 - $131	70%
Ucare Mn Senior Health Options	$127	70%
Ucare Mn Special Needs Basic Care Dual	$128	71%
UnitedHealthcare	$131 - $291	72%
Medicaid / KanCare	$134	74%
Ucare Mn Medical Assistance	$134	74%
Ucare Mn Minnesota Care	$134	74%
Ucare Mn Senior Care Plus	$134	74%
Ucare Mn Special Needs Basic Care	$134	74%
Medica Mcaid Mn Care	$137	76%
Ucare Individual And Family Plan-All Other Plans	$148	82%
Medica Mn (Msho)	$154	85%
Medica Mn Senior Hp/Outside Mn	$170	94%
Health Partners Minnesota Care	$186	103%
Medica Commercial-All Other Plans	$273	151%
Preferred One (Pchp, Pic, Pas)-All Other Plans	$280	154%
Health Partners-All Plans	$306	169%
Preferred One (Ppo)	$317	175%
Sanford Health Plan-All Plans	$317	175%

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 $242.
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 Perham Health 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.