CMS Price Transparency Data

Family therapy session

Facility: Jersey Shore University Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $373
Cash Discount Price: $178
vs. Medicare Baseline: 2.06x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Jersey Shore University Medical Center is $373. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $178. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 2.06x the Medicare baseline. Located in 1945 Rte 33, Neptune, NJ.

Cash / Self-Pay

$178

Average discount available for prompt cash payment at this facility.

Insurance Median

$373

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: $178 (98%)

Insurance Median: $373 (206%)

Cash: $178 (98% of Medicare)

Ins. Median: $373 (206% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 206% of the Medicare baseline (a markup of 106%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$82 - $447	45%
Clover	$89	49%
Seoul Medical Group	$115	63%
Horizon	$126 - $497	69%
Karna	$166	92%
Blue Cross Blue Shield	$178	98%
UnitedHealthcare	$178 - $422	98%
Vaccn	$178	98%
Wellcare	$178	98%
United Community/Americhoice	$187	103%
Qualcare	$263 - $451	145%
Oxford	$339	187%
Beacon	$373	206%
Bergen Risk	$373	206%
Cigna	$398 - $475	219%
Activecare First McO	$422	233%
Multiplan - PHCS	$422	233%
Amerihealth	$434 - $492	239%
Brighton Health Plan	$447	246%

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 $178.
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 Jersey Shore University Medical Center 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.