CMS Price Transparency Data

Family therapy session

Facility: Penn State Health St. Joseph

Billing Code: 90847 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$137

about 0.8× the $181 Medicare rate · typically $65–$180

modeled estimate · not a bill or quote

What this hospital charges insurers

$181

Above the fair price

about $44 over the fair price · 1.0× Medicare

Medicare pays $181 Fair price $137 This hospital $181 Cash price $272 Hospital's list price $1,044

How we calculate the fair BaseRate →

How this hospital compares to other PA hospitals

Highest price of the 9 PA hospitals we have prices for — worth calling around.

Cheapest $88 Priciest $181

Black dot = this hospital, among the 9 PA hospitals with a price for this procedure. Full list below.

A fair price for a Family therapy session is about $137 (about 0.8× the $181 Medicare rate). Penn State Health St. Joseph charges insurers about $181, or about $272 in cash — above the fair price. Located in Reading, PA.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $137. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

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

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

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

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
UnitedHealthcaremajor	$181 - $707	100%
Blue Cross Blue Shieldmajor	$153 - $981	84%
Aetnamajor	$182 - $533	100%
Cignamajor	$640	353%
Humanamajor	$182	100%
AmeriHealth	$153 - $181	84%
Cigna HealthSpring	$182	100%
Geisinger	$162 - $753	89%
HealthPartners	$168 - $184	93%
UPMC Health Plan	$184 - $771	101%
+ 3 smaller / regional plans	$169 - $519

Excludes 3 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 272), 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: 90847.

Insurance Before you use insurance

Call your insurance company to confirm Penn State Health St. Joseph is in-network.
Ask your insurer whether prior approval is required for CPT code 90847.
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 Penn State Health St. Joseph

Compare: Family therapy session at other PA hospitals

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