CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Jersey City Medical Center

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $313
Cash Discount Price: $118
vs. Medicare Baseline: 1.73x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Jersey City Medical Center is $313. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $118. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.73x the Medicare baseline. Located in 355 Grand Street, Jersey City, NJ.

Cash / Self-Pay

$118

Average discount available for prompt cash payment at this facility.

Insurance Median

$313

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: $118 (65%)

Insurance Median: $313 (173%)

Cash: $118 (65% of Medicare)

Ins. Median: $313 (173% 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	$90 - $515	50%
Wellpoint	$119 - $189	66%
Fidelis Care	$159 - $189	88%
Aetna	$171 - $335	94%
Clover Health	$189	104%
Humana	$189	104%
Cigna	$302 - $404	167%
First Health	$340	187%
Amerihealth	$345	190%
Emblem Health	$360	199%
Wellcare	$377	208%
Qualcare Inc	$401	221%

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 $118.
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 Jersey City 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.