CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Erlanger Medical Center

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $139
Cash Discount Price: $296
vs. Medicare Baseline: 0.77x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Erlanger Medical Center is $139. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $296. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.77x the Medicare baseline. Located in 975 E 3Rd St, Chattanooga, TN.

Cash / Self-Pay

$296

Average discount available for prompt cash payment at this facility.

Insurance Median

$139

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: $296 (163%)

Insurance Median: $139 (77%)

Cash: $296 (163% of Medicare)

Ins. Median: $139 (77% 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
Amerigroup	$68 - $235	37%
Caresource	$68 - $295	37%
Peach State Hlth Plan	$68	37%
Bluecare	$73 - $255	40%
Humana	$73 - $147	40%
UnitedHealthcare	$75 - $255	41%
Blue Cross Blue Shield	$84 - $232	46%
Alexian	$126 - $147	69%
Bluecard - Network S	$126 - $258	69%
Clover	$126 - $147	69%
Medicare (plans)	$126	69%
Upmc	$126 - $147	69%
Aetna	$127 - $152	70%
Bluecard - Network P	$129 - $258	71%
Pruitthealth Premier	$129	71%
American Health	$130 - $152	72%
Devoted Health	$131 - $153	72%
Cigna	$133 - $280	73%
Nhc	$133 - $155	73%
Atrio Health	$139 - $162	77%
Simpra Advantage	$139	77%
Occunet	$140 - $221	77%
Ambetter / Centene	$158 - $184	87%
Caresource Ga	$184 - $331	101%
Caresource Tn	$184 - $331	101%
Olympus	$189 - $215	104%
Alliant	$202	111%
Pnoa	$221 - $379	122%
Point Comfort Underwriters	$222 - $227	122%
Caresource Nc	$223 - $331	123%

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 $296.
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 Erlanger Medical Center 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.