CMS Price Transparency Data

Family therapy session

Facility: Atrium Health Union

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $37
Cash Discount Price: $28
vs. Medicare Baseline: 0.20x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Atrium Health Union is $37. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $28. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.20x the Medicare baseline. Located in 600 Hospital Dr, Monroe, NC.

Cash / Self-Pay

$28

Average discount available for prompt cash payment at this facility.

Insurance Median

$37

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: $28 (15%)

Insurance Median: $37 (20%)

Cash: $28 (15% of Medicare)

Ins. Median: $37 (20% 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
Blue Cross Blue Shield	$13 - $259	7%
Aetna	$15 - $242	8%
Ambetter / Centene	$16 - $20	9%
UnitedHealthcare	$22 - $264	12%
Cigna	$24 - $160	13%
Employers Health Network	$24	13%
Medcost	$30 - $36	17%
Magellan	$33	18%
Gmmi	$36	20%
Quik Trip	$36	20%
Healthgram	$44	24%
Choicecare	$47 - $208	26%
First Health	$47	26%
Beechstreet	$50	28%
Private Health Care Systems	$50	28%
Provider Select	$50	28%
Multiplan	$53	29%
Trillium	$84	46%
Alliance	$85	47%
Amerihealth Caritas	$85	47%
Carolina Complete Health	$85	47%
Healthy Blue	$85	47%
Partners	$85	47%
Vaya	$85	47%
Wellcare	$85	47%
Humana	$103 - $156	57%
Ortho Carolina	$126 - $191	69%

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 $28.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90847.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Atrium Health Union is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90847.
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.