CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Jfk University Medical Center

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $389
Cash Discount Price: $169
vs. Medicare Baseline: 2.15x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Jfk University Medical Center is $389. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $169. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 2.15x the Medicare baseline. Located in 65 James Street, Edison, NJ.

Cash / Self-Pay

$169

Average discount available for prompt cash payment at this facility.

Insurance Median

$389

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: $169 (93%)

Insurance Median: $389 (215%)

Cash: $169 (93% of Medicare)

Ins. Median: $389 (215% 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 215% of the Medicare baseline (a markup of 115%). 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
Horizon	$43 - $517	24%
Aetna	$90 - $499	50%
UnitedHealthcare	$96 - $851	53%
Clover	$100	55%
Seoul Medical Group	$120	66%
Blue Cross Blue Shield	$154 - $178	85%
Vaccn	$161 - $178	89%
Wellcare	$161 - $178	89%
Amerigroup	$161 - $178	89%
United Community/Americhoice	$169 - $187	93%
Karna	$223	123%
Intergroup	$389	215%
Activecare First McO	$389	215%
Bergen Risk	$417	230%
Cigna	$445 - $535	245%
Prime Health	$445	245%
Oxford	$460 - $655	254%
Multiplan - PHCS	$473	261%
Brighton Health Plan	$500	276%
Qualcare	$515	284%
Amerihealth	$526	290%

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 $169.
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 Jfk University 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.