CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Montefiore St Luke's Cornwall

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $222
Cash Discount Price: $222
vs. Medicare Baseline: 1.22x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Montefiore St Luke's Cornwall is $222. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $222. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.22x the Medicare baseline. Located in 70 Dubois Street, Newburgh, NY.

Cash / Self-Pay

$222

Average discount available for prompt cash payment at this facility.

Insurance Median

$222

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: $222 (122%)

Insurance Median: $222 (122%)

Cash: $222 (122% of Medicare)

Ins. Median: $222 (122% 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
Healthfirst	$104 - $262	57%
Blue Cross Blue Shield	$125 - $299	69%
Emblem	$125 - $1,400	69%
Medicaid / KanCare	$125	69%
Hamaspik	$131 - $239	72%
Fidelis	$177 - $257	98%
Mediblue	$215	119%
Aetna	$219	121%
Affinity	$222 - $233	122%
Cdphp	$222	122%
Hudson Valley	$222	122%
Oscar	$222	122%
Point Comfort	$222	122%
UnitedHealthcare	$222	122%
Villagecaremax	$222	122%
Vnsny Choice	$222	122%
Centerlight	$228	126%
Wellcare	$228	126%
Humana	$244	135%
Northwell	$596	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 $222.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90834.

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 90834.
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.