CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: University of Missouri Health Care

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $200
Cash Discount Price: $185
vs. Medicare Baseline: 1.10x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at University of Missouri Health Care is $200. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $185. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.10x the Medicare baseline. Located in One Hospital Drive, Columbia, MO.

Cash / Self-Pay

$185

Average discount available for prompt cash payment at this facility.

Insurance Median

$200

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: $185 (102%)

Insurance Median: $200 (110%)

Cash: $185 (102% of Medicare)

Ins. Median: $200 (110% 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
Aetna	$84 - $237	46%
Immergun	$108	60%
UnitedHealthcare	$153 - $200	84%
American Health Management	$156	86%
Blue Cross Blue Shield	$156 - $203	86%
Humana	$156	86%
Wellcare	$156	86%
Provider Partners Health Plan	$159	88%
Coventry Health Plan	$200	110%
Healthlink	$200	110%
Healthy Blue	$205	113%
United Community	$205	113%
Home State	$219	121%
Medica With Mu Health	$227	125%
Coventry Health Plan National	$231	127%
Mercy	$231	127%
Cox Health Network	$246	136%
Cigna	$262	144%
Multiplan	$271	149%

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 $185.
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 University of Missouri Health Care 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.