CMS Price Transparency Data

Family therapy session

Facility: Monmouth Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $357
Cash Discount Price: $131
vs. Medicare Baseline: 1.97x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Monmouth Medical Center is $357. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $131. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.97x the Medicare baseline. Located in 300 Second Avenue, Long Branch, NJ.

Cash / Self-Pay

$131

Average discount available for prompt cash payment at this facility.

Insurance Median

$357

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: $131 (72%)

Insurance Median: $357 (197%)

Cash: $131 (72% of Medicare)

Ins. Median: $357 (197% 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	$126 - $579	69%
Fidelis Care	$152 - $178	84%
Aetna	$163 - $359	90%
Clover Health	$178	98%
Humana	$178	98%
Wellpoint	$178 - $341	98%
Cigna	$293 - $372	162%
Emblem Health	$311	172%
Wellcare	$354	195%
First Health	$359	198%
Amerihealth	$447	246%
Qualcare Inc	$460 - $491	254%

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 $131.
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 Monmouth 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.