CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Elizabethtown Community Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $103
Cash Discount Price: $390
vs. Medicare Baseline: 0.57x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Elizabethtown Community Hospital is $103. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $390. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.57x the Medicare baseline. Located in 75 Park Street, Elizabethtown, NY.

Cash / Self-Pay

$390

Average discount available for prompt cash payment at this facility.

Insurance Median

$103

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: $390 (215%)

Insurance Median: $103 (57%)

Cash: $390 (215% of Medicare)

Ins. Median: $103 (57% 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	$72 - $228	40%
Mvp	$73 - $201	40%
Fidelis Care	$76 - $122	42%
Blue Cross Blue Shield	$80 - $144	44%
Humana	$85	47%
Aetna	$90	50%
Veterans Affairs Community Care Network	$90	50%
Choicecare	$99 - $106	55%
Capital District Physicians' Health Plan	$103 - $167	57%
Martins Point	$103	57%
Highmark Blueshield	$105	58%
Wellpath	$126	69%
Harvard Pilgrim	$312	172%
Magnacare	$312	172%
Coventry	$332	183%
Multiplan	$351	194%

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 $390.
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 Elizabethtown Community Hospital 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.