CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Heritage Valley Beaver

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $147
Cash Discount Price: $45
vs. Medicare Baseline: 0.81x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Heritage Valley Beaver is $147. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $45. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.81x the Medicare baseline. Located in 1000 Dutch Ridge Road, Beaver, PA.

Cash / Self-Pay

$45

Average discount available for prompt cash payment at this facility.

Insurance Median

$147

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: $45 (25%)

Insurance Median: $147 (81%)

Cash: $45 (25% of Medicare)

Ins. Median: $147 (81% 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
Cigna	$51 - $167	28%
UnitedHealthcare	$73 - $173	40%
Upmc Health Plan	$98 - $193	54%
Blue Cross Blue Shield	$125 - $184	69%
Community Care Behavioral Health	$135	74%
Aetna	$165 - $173	91%
Gateway Health Plan	$165 - $167	91%

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 $45.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90837.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Heritage Valley Beaver is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90837.
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.