CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Gundersen Lutheran Medical Center

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $159
Cash Discount Price: $93
vs. Medicare Baseline: 0.88x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Gundersen Lutheran Medical Center is $159. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $93. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 0.88x the Medicare baseline. Located in 1910 South Ave, La Crosse, WI.

Cash / Self-Pay

$93

Average discount available for prompt cash payment at this facility.

Insurance Median

$159

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: $93 (51%)

Insurance Median: $159 (88%)

Cash: $93 (51% of Medicare)

Ins. Median: $159 (88% 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	$63 - $159	35%
Blue Cross Blue Shield	$63 - $318	35%
Group Health Eau Claire	$63 - $222	35%
Group Health Of South Central	$63 - $198	35%
Icare	$63 - $159	35%
Iowa Total Care	$63	35%
Managed Health Service	$63	35%
Molina Health	$63 - $153	35%
UnitedHealthcare	$63 - $201	35%
Medica	$82 - $189	45%
Ucare	$99 - $198	55%
Dean Health Plan	$103	57%
Quartz	$104	57%
Aetna	$109 - $235	60%
Health Partners	$124 - $218	68%
Medical Associates	$159 - $185	88%
Midland Choice	$185	102%
Alliance	$194 - $208	107%
Claim Doc Llc	$198	109%
Wps Narrow Network	$200	110%
Cigna	$203	112%
Wps - Arise	$203	112%
Aspirus Arise Health	$205	113%
Allied National General	$210	116%
Preferred One	$210	116%
Wps Statewide	$210	116%
Coventry Health Care	$235	130%
Humana	$235	130%
Multiplan/Healtheos	$237	131%

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 $93.
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 Gundersen Lutheran Medical Center 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.