CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Punxsutawney Area Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $154
Cash Discount Price: $131
vs. Medicare Baseline: 0.85x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Punxsutawney Area Hospital is $154. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $131. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.85x the Medicare baseline. Located in 81 Hillcrest Drive, Punxsutawney, PA.

Cash / Self-Pay

$131

Average discount available for prompt cash payment at this facility.

Insurance Median

$154

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: $131 (72%)

Insurance Median: $154 (85%)

Cash: $131 (72% of Medicare)

Ins. Median: $154 (85% 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	$43 - $185	24%
Highmark Wholecare	$67 - $172	37%
Upmc Health Plan	$74 - $194	41%
Highmark	$78 - $820	43%
Tricare	$92 - $168	51%
Aetna	$110 - $407	61%
Amerihealth Caritas	$110 - $182	61%
Geisinger Health Plan	$112 - $186	62%
United Mine Workers Of America	$112 - $185	62%
Ambetter / Centene	$117 - $195	65%
Pa Health And Wellness Commercial	$139 - $370	77%
Geisinger	$156 - $518	86%
Cigna	$181 - $226	100%
Humana	$182	100%
Pa Workers Compensation	$304 - $380	168%

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 $131.
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 Punxsutawney Area 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.