CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Baylor Scott & White Medical Center - Temple

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $221
Cash Discount Price: $255
vs. Medicare Baseline: 1.22x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Baylor Scott & White Medical Center - Temple is $221. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $255. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.22x the Medicare baseline. Located in 2401 S 31St St, Temple, TX.

Cash / Self-Pay

$255

Average discount available for prompt cash payment at this facility.

Insurance Median

$221

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: $255 (141%)

Insurance Median: $221 (122%)

Cash: $255 (141% of Medicare)

Ins. Median: $221 (122% 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
Superior Health Plan	$64 - $148	35%
Humana	$113 - $297	62%
Baylor Scott & White Health Plan	$140 - $244	77%
Triwest	$148	82%
Texas Workforce Commission	$149	82%
American Health Plan	$155	85%
Blue Cross Blue Shield	$155 - $238	85%
Corvel	$155	85%
Prime Health Services	$155	85%
Procare Advantage	$155	85%
UnitedHealthcare	$170 - $209	94%
Injury Management Organization	$184	101%
Cigna	$218 - $256	120%
Careworks Fka Rockport	$221	122%
Sedgwick	$221	122%
Aetna	$233	128%
Employers Health Network	$233	128%
Midcoast	$233	128%
Quiktrip	$233	128%
University Of Mary Hardin-Baylor	$246	136%
Independent Medical System	$255	141%
Imagine Health	$266	147%
Curative	$276	152%
First Health	$297	164%
Healthsmart	$297 - $318	164%
Bluebell Creameries	$318	175%
Private Health Care System	$318	175%
Three Rivers	$382	211%

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 $255.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 90837.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Baylor Scott & White Medical Center - Temple is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 90837.
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.