CMS Price Transparency Data

Group therapy session

Facility: St Luke's Hospital - Monroe Campus

Billing Code: 90853 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90853
Insurance Median: $66
Cash Discount Price: $149
vs. Medicare Baseline: 0.64x Medicare

The contracted insurance negotiated median rate for a Group therapy session at St Luke's Hospital - Monroe Campus is $66. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $149. Compared to the federal Medicare reimbursement reference rate of $103.79, this hospital’s rate is 0.64x the Medicare baseline. Located in 100 St Luke's Lane, Stroudsburg, PA.

Cash / Self-Pay

$149

Average discount available for prompt cash payment at this facility.

Insurance Median

$66

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$103.79

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $103.79 (100%)

Cash / Self-Pay: $149 (144%)

Insurance Median: $66 (64%)

Cash: $149 (144% of Medicare)

Ins. Median: $66 (64% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $103.79 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
Highmark Wholecare	$31	30%
Oscar	$47	45%
Cigna	$49	47%
Upmc Health Plan	$49 - $99	47%
Geisinger	$51 - $97	49%
UnitedHealthcare	$52 - $102	50%
Aetna	$62 - $97	60%
Blue Cross Blue Shield	$68 - $133	66%
Highmark	$95 - $230	92%
Humana	$98	94%

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 $149.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90853.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Luke's Hospital - Monroe Campus is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90853.
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.