Family therapy session
Facility: Boston Children's Hospital
Billing Code: 90847 (CPT)
- CPT Billing Code: 90847
- Insurance Median: $424
- Cash Discount Price: $595
- vs. Medicare Baseline: 2.34x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 234% of the Medicare baseline (a markup of 134%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Cdphp | $243 - $590 | 134% |
| Harvard Pilgrim | $252 - $469 | 139% |
| Blue Cross Blue Shield | $279 - $458 | 154% |
| United | $296 - $580 | 163% |
| Aetna | $297 - $582 | 164% |
| Mgb/Allways | $301 - $513 | 166% |
| Tufts Public Plan | $304 - $427 | 168% |
| United Ri Nj Ny | $312 - $437 | 172% |
| Ambetter / Centene | $313 - $439 | 173% |
| UnitedHealthcare | $322 - $590 | 178% |
| Carelon Strategies/Bhs | $322 - $451 | 178% |
| Carelon/Beacon | $371 - $520 | 205% |
| Fallon | $378 - $535 | 208% |
| Health New England | $400 - $561 | 221% |
| Ets/Lifetrac | $421 - $590 | 232% |
| Interlink Transplant | $421 - $590 | 232% |
| Cigna | $421 - $694 | 232% |
| Humana | $446 - $625 | 246% |
| Community Health Options | $446 - $625 | 246% |
| Coventry/Hcvm/First Health | $455 - $638 | 251% |
| Multiplan/Phcs | $455 - $659 | 251% |
Consumer Guidance & Cost Commentary
For a family therapy session (CPT 90847) at Boston Children's Hospital, the cash median rate is $595. This facility, located in Boston, MA, is a voluntary non-profit private children's hospital. The Medicare benchmark for this service is $181.34, which serves as the federal government's fixed reimbursement baseline. When comparing rates to the Medicare benchmark, the cash price represents a markup of 2.3 times the Medicare amount.
While the cash rate of $595 is the median, the median negotiated rate for in-network payers is $424. This indicates that for patients with high-deductible plans, paying cash upfront might be more cost-effective if the insurance negotiated rate exceeds the cash price, though the data shows the negotiated rate is lower. Patients should verify their specific plan details and ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these can further reduce the final amount owed.