CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Loma Linda University Medical Center

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $205
Cash Discount Price: $133
vs. Medicare Baseline: 7.05x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Loma Linda University Medical Center is $205. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $133. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 7.05x the Medicare baseline. Located in 11234 Anderson St, Loma Linda, CA.

Cash / Self-Pay

$133

Average discount available for prompt cash payment at this facility.

Insurance Median

$205

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $133 (458%)

Insurance Median: $205 (705%)

Cash: $133 (458% of Medicare)

Ins. Median: $205 (705% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 705% of the Medicare baseline (a markup of 605%). 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)	$19	65%
Kaiser Foundation Hospitals	$21 - $232	72%
Adventist Health	$48 - $143	165%
Lluh Dept Of Risk Management	$48 - $143	165%
Epic Health Plan	$96 - $139	330%
Riverside University Health System	$96 - $139	330%
Alpha Care Medical Group	$133 - $296	458%
Global Benefits Group	$145 - $209	499%
Temecula Valley Physicians Medical Group	$145 - $209	499%
Trivalley Medical Group	$145 - $209	499%
Aetna	$146 - $211	502%
Cigna	$154 - $258	530%
Networks By Design	$157 - $226	540%
Molina Healthcare Of Ca	$169 - $244	582%
Multiplan	$181 - $261	623%
Central Health Plan	$193 - $278	664%
Dignity Health	$205 - $296	705%
Galaxy Health	$205 - $296	705%
Prime Health Services	$205 - $296	705%
Vantage Medical Group	$205 - $296	705%
UnitedHealthcare	$206 - $417	709%
Health Management Network	$217 - $313	747%
Blue Shield Of California	$268 - $412	922%
Blue Cross Blue Shield	$336 - $447	1156%

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 $133.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97110.

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 97110.
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.