CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Univ. of Vermont - Fletcher Allen Health Care

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $165
Cash Discount Price: $281
vs. Medicare Baseline: 0.91x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Univ. of Vermont - Fletcher Allen Health Care is $165. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $281. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.91x the Medicare baseline. Located in 111 Colchester Ave, Burlington, VT.

Cash / Self-Pay

$281

Average discount available for prompt cash payment at this facility.

Insurance Median

$165

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: $281 (155%)

Insurance Median: $165 (91%)

Cash: $281 (155% of Medicare)

Ins. Median: $165 (91% 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	$56 - $445	31%
Mvp	$73 - $264	40%
Blue Cross Blue Shield	$79 - $293	44%
Humana	$79 - $162	44%
Aetna	$90 - $162	50%
St. Regis	$90 - $162	50%
Veterans Affairs Community Care Network	$90 - $162	50%
Capital District Physicians' Health Plan	$103 - $210	57%
Martins Point	$103 - $166	57%
Fidelis Care	$104 - $178	57%
Cigna	$105 - $274	58%
Wellpath	$126 - $243	69%
Ebpa	$216 - $242	119%
Harvard Pilgrim	$225	124%
Magnacare	$225	124%
Coventry	$239	132%
Nppn	$253	140%

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 $281.
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 Univ. of Vermont - Fletcher Allen Health Care 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.