CMS Price Transparency Data

Psychotherapy session (60 minutes)

Facility: Beloit Health System

Billing Code: 90837 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90837
Insurance Median: $282
Cash Discount Price: $146
vs. Medicare Baseline: 1.56x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (60 minutes) at Beloit Health System is $282. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $146. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 1.56x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$146

Average discount available for prompt cash payment at this facility.

Insurance Median

$282

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: $146 (81%)

Insurance Median: $282 (156%)

Cash: $146 (81% of Medicare)

Ins. Median: $282 (156% 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
Aetna	$140 - $479	77%
Blue Cross Blue Shield	$140	77%
Dean Health	$140	77%
Independent Care Health Plan	$140	77%
Quartz	$140 - $288	77%
UnitedHealthcare	$140	77%
Naphcare	$210	116%
Cook Children'S Health Plan (Cchp)	$252	139%
Wea Trust	$277	153%
The Alliance	$350	193%
Multiplan	$404	223%
Health Eos	$459	253%
Cigna	$479	264%
Hfn	$479	264%
Preferred Network Access	$479	264%
Humana	$480	265%
Wps	$559	308%

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 $146.
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 Beloit Health System 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.