CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Saratoga Hospital

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $139
Cash Discount Price: $212
vs. Medicare Baseline: 0.77x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Saratoga Hospital is $139. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $212. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.77x the Medicare baseline. Located in 211 Church Street, Saratoga Springs, NY.

Cash / Self-Pay

$212

Average discount available for prompt cash payment at this facility.

Insurance Median

$139

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: $212 (117%)

Insurance Median: $139 (77%)

Cash: $212 (117% of Medicare)

Ins. Median: $139 (77% 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
Mvp Commercial	$36 - $799	20%
Multiplan	$38 - $905	21%
Empire Plan Nyship	$43 - $216	24%
UnitedHealthcare	$43 - $958	24%
Magnacare	$46 - $1,012	25%
Medicaid / KanCare	$48 - $128	26%
Blue Shield	$51 - $453	28%
Blue Cross Blue Shield	$79 - $357	44%
Fidelis	$90 - $434	50%
Cdphp	$91 - $434	50%
Mvp	$96 - $236	53%
Medicare (plans)	$100 - $152	55%
Tricare	$100 - $152	55%
Hamaspik	$110 - $453	61%
Cigna	$115 - $236	63%
Aetna	$125 - $159	69%
Blue Shield Highmark	$128 - $163	71%
Emblem Health Ghi	$133 - $167	73%
Emblem	$190 - $215	105%
Mvp Essential Plan	$193 - $386	106%
Mvp Govt Programs	$193	106%
Nascentia Health Options	$209	115%

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 $212.
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 Saratoga Hospital 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.