CMS Price Transparency Data

Family therapy session

Facility: The University of Vermont Health Network - Champl

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $106
Cash Discount Price: $281
vs. Medicare Baseline: 0.58x Medicare

The contracted insurance negotiated median rate for a Family therapy session at The University of Vermont Health Network - Champl is $106. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $281. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.58x the Medicare baseline. Located in 75 Beekman Street, Plattsburgh, NY.

Cash / Self-Pay

$281

Average discount available for prompt cash payment at this facility.

Insurance Median

$106

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: $281 (155%)

Insurance Median: $106 (58%)

Cash: $281 (155% of Medicare)

Ins. Median: $106 (58% 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
UnitedHealthcare	$71 - $228	39%
Beacon Health	$74 - $144	41%
Mvp	$92 - $229	51%
Aetna	$101	56%
Blue Cross Blue Shield	$101 - $162	56%
Fidelis Care	$101 - $106	56%
Humana	$101	56%
Veterans Affairs Community Care Network	$101	56%
Capital District Physicians' Health Plan	$102 - $166	56%
Martins Point	$102	56%
Highmark Blueshield	$112	62%
Wellpath	$142	78%
Harvard Pilgrim	$225	124%
Magnacare	$225	124%
St. Regis	$225	124%
Coventry	$253	140%
Multiplan	$267	147%

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 $281.
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 of Vermont Health Network - Champl 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.