CMS Price Transparency Data

Speech therapy (group session)

Facility: Mosaic Life Care at St Joseph

Billing Code: 92508 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 92508
Insurance Median: $55
Cash Discount Price: $64
vs. Medicare Baseline: 2.29x Medicare

The contracted insurance negotiated median rate for a Speech therapy (group session) at Mosaic Life Care at St Joseph is $55. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $64. Compared to the federal Medicare reimbursement reference rate of $24.05, this hospital’s rate is 2.29x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$64

Average discount available for prompt cash payment at this facility.

Insurance Median

$55

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$24.05

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $24.05 (100%)

Cash / Self-Pay: $64 (266%)

Insurance Median: $55 (229%)

Cash: $64 (266% of Medicare)

Ins. Median: $55 (229% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $24.05 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 229% of the Medicare baseline (a markup of 129%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
UnitedHealthcare	$9 - $106	37%
Aetna	$11 - $62	46%
Medicaid / KanCare	$11 - $23	46%
Blue Cross Blue Shield	$22 - $65	91%
Amerigroup Of Iowa	$23	96%
Iowa Total Care	$23	96%
Molina Of Iowa	$23	96%
Centurion	$30 - $52	125%
Ambetter / Centene	$41	170%
Geha Shared Services	$61	254%
Freedom Select Healthlink	$64	266%
Healthlink Open Access	$64	266%
Preferred Health Professional	$64	266%
Sisco	$64	266%
Cigna	$66	274%
Multiplan	$68 - $95	283%
Home State Of Missouri	$109	453%
Healthy Blue Of Missouri	$134	557%

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 $64.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 92508.

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 92508.
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.