CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: St Charles Medical Center - Bend

Billing Code: 90834 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$346

about 1.9× the $181 Medicare rate · typically $167–$451

modeled estimate · not a bill or quote

Medicare pays $181 Fair price $346 Cash price $335 Hospital's list price $419

How we calculate the fair BaseRate →

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Kaiser Permanente UnitedHealthcareHumana

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
Blue Cross Blue Shieldmajor	$443 - $522	244%
Aetnamajor	$365	201%
Cignamajor	$264	146%
Kaiser Permanentemajor	$363	200%
Health Net	$394	217%
Moda Health	$361	199%
PacificSource	$168 - $229	93%
Providence Health Plan	$294 - $367	162%
+ 46 smaller / regional plans	$145 - $522

Government programs also on file: Medicaid, Military & VA.

Excludes 5 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 335), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 90834.

Insurance Before you use insurance

Call your insurance company to confirm St Charles Medical Center - Bend is in-network.
Ask your insurer whether prior approval is required for CPT code 90834.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at St Charles Medical Center - Bend

Compare: Psychotherapy session (45 minutes) at other OR hospitals

Insurance negotiated median for the same procedure, sorted lowest first.