CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Atrium Health Union

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $118
Cash Discount Price: $94
vs. Medicare Baseline: 0.65x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Atrium Health Union is $118. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $94. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.65x the Medicare baseline. Located in 600 Hospital Dr, Monroe, NC.

Cash / Self-Pay

$94

Average discount available for prompt cash payment at this facility.

Insurance Median

$118

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: $94 (52%)

Insurance Median: $118 (65%)

Cash: $94 (52% of Medicare)

Ins. Median: $118 (65% 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
Partners	$24 - $61	13%
Alliance	$25 - $62	14%
Amerihealth Caritas	$25 - $61	14%
Carolina Complete Health	$25 - $61	14%
Healthy Blue	$25 - $61	14%
UnitedHealthcare	$25 - $211	14%
Vaya	$25 - $61	14%
Wellcare	$25 - $61	14%
Trillium	$26 - $60	14%
Blue Cross Blue Shield	$46 - $193	25%
Aetna	$50 - $217	28%
Ambetter / Centene	$56 - $143	31%
Cigna	$81 - $178	45%
Employers Health Network	$83 - $158	46%
Humana	$91 - $156	50%
Medcost	$102 - $214	56%
Ortho Carolina	$112 - $191	62%
Magellan	$113	62%
Physician Reach Out	$113	62%
Gmmi	$122 - $170	67%
Quik Trip	$122 - $170	67%
Healthgram	$150 - $172	83%
Choicecare	$155 - $160	85%
First Health	$160 - $192	88%
Beechstreet	$169 - $204	93%
Private Health Care Systems	$169 - $204	93%
Provider Select	$169 - $204	93%
Multiplan	$179 - $181	99%

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 $94.
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 Atrium Health Union 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.