CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Loma Linda University Medical Center

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $152
Cash Discount Price: $95
vs. Medicare Baseline: 4.69x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Loma Linda University Medical Center is $152. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $95. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 4.69x the Medicare baseline. Located in 11234 Anderson St, Loma Linda, CA.

Cash / Self-Pay

$95

Average discount available for prompt cash payment at this facility.

Insurance Median

$152

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.4 (100%)

Cash / Self-Pay: $95 (293%)

Insurance Median: $152 (469%)

Cash: $95 (293% of Medicare)

Ins. Median: $152 (469% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.4 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 469% of the Medicare baseline (a markup of 369%). 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
Inland Empire Health Plan (Iehp)	$9	28%
Kaiser Foundation Hospitals	$10 - $141	31%
Adventist Health	$42 - $87	130%
Lluh Dept Of Risk Management	$42 - $87	130%
Epic Health Plan	$84	259%
Riverside University Health System	$84	259%
Alpha Care Medical Group	$116 - $179	358%
Global Benefits Group	$127	392%
Temecula Valley Physicians Medical Group	$127	392%
Trivalley Medical Group	$127	392%
Aetna	$128	395%
Cigna	$135 - $156	417%
Networks By Design	$137	423%
Molina Healthcare Of Ca	$148	457%
Multiplan	$158	488%
Central Health Plan	$169	522%
Dignity Health	$179	552%
Galaxy Health	$179	552%
Prime Health Services	$179	552%
Vantage Medical Group	$179	552%
Health Management Network	$190	586%
UnitedHealthcare	$206 - $417	636%
Blue Shield Of California	$268 - $412	827%
Blue Cross Blue Shield	$336 - $447	1037%

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 $95.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97535.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Loma Linda University Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97535.
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.