CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Stanly Regional Medical Center

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $140
Cash Discount Price: $110
vs. Medicare Baseline: 0.77x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Stanly Regional Medical Center is $140. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $110. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.77x the Medicare baseline. Located in 301 Yadkin St, Albemarle, NC.

Cash / Self-Pay

$110

Average discount available for prompt cash payment at this facility.

Insurance Median

$140

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: $110 (61%)

Insurance Median: $140 (77%)

Cash: $110 (61% of Medicare)

Ins. Median: $140 (77% 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
Alliance	$26 - $93	14%
Partners	$26 - $92	14%
Amerihealth Caritas	$27 - $92	15%
Carolina Complete Health	$27 - $92	15%
Healthy Blue	$27 - $92	15%
Trillium	$27 - $91	15%
Vaya	$27 - $92	15%
Wellcare	$27 - $92	15%
UnitedHealthcare	$39 - $316	22%
Aetna	$58 - $319	32%
Ambetter / Centene	$67 - $214	37%
Blue Cross Blue Shield	$86 - $292	47%
Cigna	$95 - $176	52%
Employers Health Network	$97 - $127	53%
Physician Reach Out	$110	61%
Magellan	$132	73%
Humana	$135 - $156	74%
Medcost	$140 - $321	77%
Gmmi	$143	79%
Quik Trip	$143	79%
Carolina Behavioral Health	$158 - $176	87%
First Health	$197	109%
Healthgram	$197	109%
Choicecare	$206 - $234	114%
Lifesynch Community Choice Care	$206	114%
Multiplan	$206	114%
Private Health Care Systems	$206	114%
Beechstreet	$211	116%

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 $110.
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 Stanly Regional Medical Center 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.