CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Mosaic Life Care at St Joseph

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $162
Cash Discount Price: $170
vs. Medicare Baseline: 0.89x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Mosaic Life Care at St Joseph is $162. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $170. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.89x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$170

Average discount available for prompt cash payment at this facility.

Insurance Median

$162

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: $170 (94%)

Insurance Median: $162 (89%)

Cash: $170 (94% of Medicare)

Ins. Median: $162 (89% 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
Amerigroup Of Iowa	$54 - $135	30%
Iowa Total Care	$54 - $135	30%
Molina Of Iowa	$54 - $135	30%
Blue Cross Blue Shield	$76 - $174	42%
Aetna	$77 - $165	42%
Medicaid / KanCare	$77	42%
UnitedHealthcare	$77 - $282	42%
Centurion	$80 - $140	44%
Multiplan	$154 - $180	85%
Geha Shared Services	$157 - $162	87%
Freedom Select Healthlink	$166 - $172	92%
Healthlink Open Access	$166 - $172	92%
Preferred Health Professional	$166 - $172	92%
Sisco	$166 - $172	92%
Ambetter / Centene	$170 - $308	94%
Cigna	$170 - $176	94%
Home State Of Missouri	$290	160%
Healthy Blue Of Missouri	$356	196%

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 $170.
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 Mosaic Life Care at St Joseph 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.