CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Fostoria Community Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $392
Cash Discount Price: $480
vs. Medicare Baseline: 2.16x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Fostoria Community Hospital is $392. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $480. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 2.16x the Medicare baseline. Located in 501 Van Buren Street, Fostoria, OH.

Cash / Self-Pay

$480

Average discount available for prompt cash payment at this facility.

Insurance Median

$392

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: $480 (265%)

Insurance Median: $392 (216%)

Cash: $480 (265% of Medicare)

Ins. Median: $392 (216% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 216% of the Medicare baseline (a markup of 116%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Meridian Health Plan Of Mi	$97	53%
Paramount Health Care	$107 - $392	59%
Blue Cross Blue Shield	$110 - $700	61%
Health Alliance Plan	$110 - $554	61%
Health Value Management	$110 - $160	61%
Buckeye Community Health Plan Inc	$125 - $268	69%
Aetna	$126 - $495	69%
Veterans Affairs	$163	90%
Buckeye Community Health Plan	$165 - $177	91%
Dayton Area Health Plan Dba Caresource	$173 - $307	95%
UnitedHealthcare	$175 - $442	97%
Amerihealth	$183	101%
Medical Mutual Of Ohio	$418 - $444	231%
Frontpath Health Coalition	$426	235%
Ohio Health Choice	$480	265%
Ohio Ppo Connect	$480 - $554	265%
Health Ohio Network	$584	322%
Connecticut General Life Insurance Company	$590	325%

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 $480.
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 Fostoria 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.