CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Adventist Health Howard Memorial

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $47
Cash Discount Price: $39
vs. Medicare Baseline: 1.62x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Adventist Health Howard Memorial is $47. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $39. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 1.62x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$39

Average discount available for prompt cash payment at this facility.

Insurance Median

$47

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: $39 (134%)

Insurance Median: $47 (162%)

Cash: $39 (134% of Medicare)

Ins. Median: $47 (162% 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.

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
Medi-Cal	$11 - $16	38%
Blue Shield Mcare	$16 - $36	55%
Medicare (plans)	$16 - $37	55%
Tricare	$16 - $36	55%
UnitedHealthcare	$17 - $140	58%
Aetna	$22 - $121	76%
Ah Employee Health Plan - All Plans	$34 - $94	117%
Cigna	$34 - $154	117%
Blue Shield - All Other Plans	$44 - $334	151%
Healthnet - All Plans	$44 - $148	151%
Western Growers/Pinnacle - All Plans	$44 - $136	151%
Blue Cross Blue Shield	$47 - $598	162%
First Health Ppo - All Plans	$62 - $145	213%
Ghn Ppo - All Plans	$62 - $145	213%
Brms - All Plans	$66 - $154	227%
Blue Shield Epn	$327	1125%

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 $39.
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 Adventist Health Howard Memorial 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.