CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: St Rose Hospital

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $85
Cash Discount Price: $74
vs. Medicare Baseline: 2.42x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at St Rose Hospital is $85. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $74. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 2.42x the Medicare baseline. Located in 27200 Calaroga Ave, Hayward, CA.

Cash / Self-Pay

$74

Average discount available for prompt cash payment at this facility.

Insurance Median

$85

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$35.07

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $35.07 (100%)

Cash / Self-Pay: $74 (211%)

Insurance Median: $85 (242%)

Cash: $74 (211% of Medicare)

Ins. Median: $85 (242% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $35.07 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 242% of the Medicare baseline (a markup of 142%). 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
Centers For Elder Independence	$37 - $42	106%
Healthnet Of California	$37 - $187	106%
Aetna	$39 - $250	111%
Brown & Toland	$39 - $44	111%
Humana	$39 - $44	111%
Imperial Health Senior	$39 - $44	111%
Medicare (plans)	$39 - $44	111%
UnitedHealthcare	$39 - $213	111%
Cigna	$49 - $200	140%
Canopy	$74 - $85	211%
Blue Shield	$98 - $111	279%
Blue Shield Affinity	$98 - $111	279%
Blue Shield Hill	$98 - $111	279%
Interplan	$159 - $187	453%
Multiplan Inc	$175 - $205	499%
Kaiser Foundation Hospitals	$181 - $213	516%
Blue Cross Blue Shield	$184	525%
Preferred Health Network	$193 - $227	550%

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 $74.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Rose Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
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.