CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Perham Health

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $102
Cash Discount Price: $112
vs. Medicare Baseline: 0.56x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Perham Health is $102. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $112. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.56x the Medicare baseline. Located in 1000 Coney Street West, Perham, MN.

Cash / Self-Pay

$112

Average discount available for prompt cash payment at this facility.

Insurance Median

$102

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: $112 (62%)

Insurance Median: $102 (56%)

Cash: $112 (62% of Medicare)

Ins. Median: $102 (56% 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
Medica Mcaid Mn Care	$42 - $105	23%
Medica Mn (Msho)	$47 - $119	26%
Health Partners Minnesota Care	$58 - $144	32%
Medica Mn Senior Hp/Outside Mn	$59 - $131	33%
Preferred One (Pchp, Pic, Pas)-All Other Plans	$63 - $216	35%
Ucare Mn Special Needs Basic Care Dual	$74 - $103	41%
Blue Cross Blue Shield	$80 - $195	44%
Ucare Mn Medical Assistance	$82 - $104	45%
Ucare Mn Minnesota Care	$82 - $104	45%
Ucare Mn Senior Care Plus	$82 - $104	45%
Ucare Mn Special Needs Basic Care	$82 - $104	45%
Medica Commercial-All Other Plans	$84 - $211	46%
Health Partners Mcr Adv	$92 - $98	51%
Humana	$92 - $98	51%
Medicare (plans)	$92 - $103	51%
Health Partners-All Plans	$94 - $236	52%
Medica Mcr Adv	$98 - $105	54%
Preferred One (Ppo)	$98 - $245	54%
Ucare Mn Senior Health Options	$98 - $108	54%
UnitedHealthcare	$101 - $225	56%
Medicaid / KanCare	$104 - $178	57%
Ucare Individual And Family Plan-All Other Plans	$118 - $119	65%
Sanford Health Plan-All Plans	$161 - $245	89%

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 $112.
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 Perham Health 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.