CMS Price Transparency Data

Family therapy session

Facility: Erlanger Medical Center

Billing Code: 90847 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90847
Insurance Median: $147
Cash Discount Price: $124
vs. Medicare Baseline: 0.81x Medicare

The contracted insurance negotiated median rate for a Family therapy session at Erlanger Medical Center is $147. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $124. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.81x the Medicare baseline. Located in 975 E 3Rd St, Chattanooga, TN.

Cash / Self-Pay

$124

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: $124 (68%)

Insurance Median: $147 (81%)

Cash: $124 (68% 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
Bluecare	$92 - $320	51%
Humana	$92 - $175	51%
UnitedHealthcare	$93 - $292	51%
Amerigroup	$94 - $296	52%
Caresource	$94 - $295	52%
Peach State Hlth Plan	$94	52%
Blue Cross Blue Shield	$101 - $233	56%
Cigna	$105 - $156	58%
Occunet	$140 - $248	77%
Bluecard - Network S	$141 - $289	78%
Alexian	$142 - $147	78%
Clover	$142 - $147	78%
Medicare (plans)	$142	78%
Upmc	$142 - $147	78%
Aetna	$143 - $156	79%
Bluecard - Network P	$145 - $289	80%
Pruitthealth Premier	$145	80%
American Health	$146 - $152	81%
Devoted Health	$148 - $153	82%
Nhc	$149 - $155	82%
Atrio Health	$156 - $162	86%
Simpra Advantage	$156	86%
Ambetter / Centene	$177 - $184	98%
Caresource Ga	$207 - $371	114%
Caresource Tn	$207 - $371	114%
Olympus	$213 - $241	117%
Alliant	$227	125%
Pnoa	$234 - $368	129%
Point Comfort Underwriters	$249 - $255	137%
Caresource Nc	$250 - $371	138%

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 $124.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90847.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Erlanger Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90847.
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.