CMS Price Transparency Data

Family therapy session

Facility: Saint Michael's Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $214
Cash Discount Price: $205
vs. Medicare Baseline: 1.18x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Saint Michael's Medical Center is $214. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $205. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.18x the Medicare baseline. Located in 111 Central Avenue, Newark, NJ.

Cash / Self-Pay

$205

Average discount available for prompt cash payment at this facility.

Insurance Median

$214

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: $205 (113%)

Insurance Median: $214 (118%)

Cash: $205 (113% of Medicare)

Ins. Median: $214 (118% 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
Horizon	$114 - $421	63%
Amerihealth	$126	69%
Tricare	$165	91%
Aetna	$206 - $436	114%
Humana	$206	114%
Medicare (plans)	$206	114%
New Jersey Out of State	$206	114%
UnitedHealthcare	$206	114%
Wellpoint Amerigroup	$206	114%
Wellcare	$212 - $278	117%
Clover Health	$214	118%
Curana	$216	119%
Employer Direct Healthcare	$288	159%
Naphcare	$319	176%
Cigna	$329	181%
Fairprice Healthcare Holdings - Fphh	$329	181%
Coventry	$412	227%

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 $205.
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 Saint Michael's 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.