CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Perham Health

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $152
Cash Discount Price: $175
vs. Medicare Baseline: 0.84x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Perham Health is $152. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $175. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.84x the Medicare baseline. Located in 1000 Coney Street West, Perham, MN.

Cash / Self-Pay

$175

Average discount available for prompt cash payment at this facility.

Insurance Median

$152

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: $175 (97%)

Insurance Median: $152 (84%)

Cash: $175 (97% of Medicare)

Ins. Median: $152 (84% 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	$93 - $155	51%
Medica Mn (Msho)	$105 - $174	58%
Ucare Mn Special Needs Basic Care Dual	$111 - $154	61%
Blue Cross Blue Shield	$117 - $286	65%
Ucare Mn Medical Assistance	$122 - $152	67%
Ucare Mn Minnesota Care	$122 - $152	67%
Ucare Mn Senior Care Plus	$122 - $152	67%
Ucare Mn Special Needs Basic Care	$122 - $152	67%
Health Partners Minnesota Care	$127 - $212	70%
Medica Mn Senior Hp/Outside Mn	$130 - $192	72%
Health Partners Mcr Adv	$135 - $144	74%
Humana	$135 - $144	74%
Medicare (plans)	$135 - $154	74%
Preferred One (Pchp, Pic, Pas)-All Other Plans	$140 - $317	77%
Medica Mcr Adv	$144 - $155	79%
Ucare Mn Senior Health Options	$144 - $161	79%
UnitedHealthcare	$148 - $330	82%
Medicaid / KanCare	$152 - $277	84%
Ucare Individual And Family Plan-All Other Plans	$177 - $178	98%
Medica Commercial-All Other Plans	$186 - $310	103%
Health Partners-All Plans	$208 - $347	115%
Preferred One (Ppo)	$216 - $360	119%
Sanford Health Plan-All Plans	$242 - $360	133%

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 $175.
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 Perham Health 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.