CMS Price Transparency Data

Group therapy session

Facility: Mosaic Life Care at St Joseph

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $48
Cash Discount Price: $49
vs. Medicare Baseline: 0.46x Medicare

The contracted insurance negotiated median rate for a Group therapy session at Mosaic Life Care at St Joseph is $48. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $49. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 0.46x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$49

Average discount available for prompt cash payment at this facility.

Insurance Median

$48

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $49 (47%)

Insurance Median: $48 (46%)

Cash: $49 (47% of Medicare)

Ins. Median: $48 (46% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 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
Amerigroup Of Iowa	$10 - $63	10%
Iowa Total Care	$10 - $63	10%
Molina Of Iowa	$10 - $63	10%
Aetna	$24 - $93	23%
Blue Cross Blue Shield	$24 - $93	23%
UnitedHealthcare	$24 - $93	23%
Medicaid / KanCare	$25	24%
Centurion	$41	40%
Ambetter / Centene	$45 - $177	43%
Geha Shared Services	$47	45%
Freedom Select Healthlink	$50	48%
Healthlink Open Access	$50	48%
Preferred Health Professional	$50	48%
Sisco	$50	48%
Cigna	$51	49%
Multiplan	$105	101%

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 $49.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Mosaic Life Care at St Joseph is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90853.
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.