CMS Price Transparency Data

Family therapy session

Facility: The University Hospital

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $307
Cash Discount Price: $211
vs. Medicare Baseline: 1.69x Medicare

The contracted insurance negotiated median rate for a Family therapy session at The University Hospital is $307. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $211. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.69x the Medicare baseline. Located in 150 Bergen St, Newark, NJ.

Cash / Self-Pay

$211

Average discount available for prompt cash payment at this facility.

Insurance Median

$307

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: $211 (116%)

Insurance Median: $307 (169%)

Cash: $211 (116% of Medicare)

Ins. Median: $307 (169% 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 - $367	63%
Aetna	$139 - $299	77%
Fidelis	$139 - $183	77%
UnitedHealthcare	$139 - $183	77%
Wellpoint	$141	78%
Amerihealth	$183 - $307	101%
Clover Health	$183	101%
First Health	$331	183%
Americare	$354	195%
Qualcare	$354	195%
Correctional Medical Services	$378	208%
Multiplan	$378	208%
First Trenton	$425	234%
Managed Care Inc	$425	234%
Consumer Health Network	$449	248%
Three Rivers	$449	248%

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 $211.
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 The University Hospital 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.