CMS Price Transparency Data

Psychotherapy session (45 minutes)

Facility: Bellin Health Oconto Hospital

Billing Code: 90834 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 90834
Insurance Median: $388
Cash Discount Price: $348
vs. Medicare Baseline: 2.14x Medicare

The contracted insurance negotiated median rate for a Psychotherapy session (45 minutes) at Bellin Health Oconto Hospital is $388. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $348. Compared to the federal Medicare reimbursement reference rate of $181.34, this hospital’s rate is 2.14x the Medicare baseline. Located in 820 Arbutus Ave, Oconto, WI.

Cash / Self-Pay

$348

Average discount available for prompt cash payment at this facility.

Insurance Median

$388

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: $348 (192%)

Insurance Median: $388 (214%)

Cash: $348 (192% of Medicare)

Ins. Median: $388 (214% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 214% of the Medicare baseline (a markup of 114%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Blue Cross Blue Shield	$151 - $220	83%
Community Care	$182	100%
Humana	$182	100%
My Choice	$182	100%
Network Health	$182 - $456	100%
UnitedHealthcare	$220 - $375	121%
Aetna	$268	148%
Cigna	$379 - $385	209%
Common Ground	$390 - $401	215%
Chorus Community Health Plan	$402	222%
Aspirus Arise	$420	232%
Healthsmart	$429	237%
Ihs(Claimsbridge)	$429	237%
Medical College Of Wi	$429	237%
Hps/Paymedix	$440 - $477	243%
Wps Insurance	$450	248%
Allied National	$456	251%
First Health	$456	251%
Galaxy Health	$456	251%
Three Rivers Provider Network	$482	266%
Trilogy	$482	266%

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 $348.
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 Bellin Health Oconto Hospital 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.