CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: St Joseph's University Medical Center Inc

Billing Code: 90834 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$172

about 1.0× the $181 Medicare rate · typically $113–$200

modeled estimate · not a bill or quote

What this hospital charges insurers

$137

Below the fair price — a good deal

about $35 under the fair price · 0.8× Medicare

Medicare pays $181 Fair price $172 This hospital $137 Cash price $540 Hospital's list price $540

How we calculate the fair BaseRate →

How this hospital compares to other NJ hospitals

Highest price of the 9 NJ hospitals we have prices for — worth calling around.

Cheapest $90 Priciest $137

Black dot = this hospital, among the 9 NJ hospitals with a price for this procedure. Full list below.

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Psychotherapy session (45 minutes) is about $172 (about 1.0× the $181 Medicare rate). St Joseph's University Medical Center Inc charges insurers about $137, or about $540 in cash — below the fair price — a good deal. Located in Paterson, NJ.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna HumanaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$74 - $346	41%
Blue Cross Blue Shieldmajor	$98 - $600	54%
Aetnamajor	$98 - $430	54%
Cignamajor	$291 - $540	160%
Ambetter (Centene)	$98 - $316	54%
AmeriHealth	$98 - $344	54%
Clover Health	$98 - $211	54%
Fidelis Care	$67 - $221	37%
Health Net	$218 - $486	120%
MagnaCare	$378	208%
Oscar Health	$509	281%
+ 4 smaller / regional plans	$98 - $346

Excludes 2 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 540), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 90834.

Insurance Before you use insurance

Call your insurance company to confirm St Joseph's University Medical Center Inc is in-network.
Ask your insurer whether prior approval is required for CPT code 90834.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at St Joseph's University Medical Center Inc

Compare: Psychotherapy session (45 minutes) at other NJ hospitals

Insurance negotiated median for the same procedure, sorted lowest first.