CMS Price Transparency Data

Group therapy session

Facility: Montefiore St Luke's Cornwall

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $127
Cash Discount Price: $127
vs. Medicare Baseline: 1.22x Medicare

The contracted insurance negotiated median rate for a Group therapy session at Montefiore St Luke's Cornwall is $127. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $127. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 1.22x the Medicare baseline. Located in 70 Dubois Street, Newburgh, NY.

Cash / Self-Pay

$127

Average discount available for prompt cash payment at this facility.

Insurance Median

$127

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $127 (122%)

Insurance Median: $127 (122%)

Cash: $127 (122% of Medicare)

Ins. Median: $127 (122% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 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
Healthfirst	$40 - $127	39%
Blue Cross Blue Shield	$48 - $171	46%
Emblem	$48 - $801	46%
Medicaid / KanCare	$48	46%
Hamaspik	$51 - $137	49%
Fidelis	$101 - $147	97%
Mediblue	$123	119%
Aetna	$126	121%
Affinity	$127 - $133	122%
Cdphp	$127	122%
Hudson Valley	$127	122%
Oscar	$127	122%
Point Comfort	$127	122%
UnitedHealthcare	$127	122%
Villagecaremax	$127	122%
Vnsny Choice	$127	122%
Centerlight	$131	126%
Wellcare	$131	126%
Humana	$139	134%
Northwell	$341	329%

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 $127.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Montefiore St Luke's Cornwall is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90853.
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.