CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Adventist Health Clearlake

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $148
Cash Discount Price: $63
vs. Medicare Baseline: 5.09x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Adventist Health Clearlake is $148. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $63. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 5.09x the Medicare baseline. Located in 15630 18Th Ave - Hwy 53, Clearlake, CA.

Cash / Self-Pay

$63

Average discount available for prompt cash payment at this facility.

Insurance Median

$148

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: $63 (217%)

Insurance Median: $148 (509%)

Cash: $63 (217% of Medicare)

Ins. Median: $148 (509% 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 509% of the Medicare baseline (a markup of 409%). 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
Bc Managed Mcal	$16	55%
Medi-Cal	$16	55%
Blue Shield Mcr Adv	$37	127%
Kaiser Mcr Adv	$37	127%
Tricare	$37	127%
Blue Cross Blue Shield	$38 - $543	131%
UnitedHealthcare	$41 - $147	141%
Ah Employee Health Plan - All Plans	$74	255%
Aetna	$132	454%
Western Growers- All Plans	$132	454%
First Health- All Plans	$141	485%
Healthnet- All Plans	$144	496%
Foundation- All Plans	$150	516%
Health Mgmt Network- All Plans	$150	516%
Humana	$150	516%
Phcs- All Plans	$150	516%
Cigna	$158	544%
Interplan- All Plans	$158	544%
Kaiser- All Other Plans	$158	544%
Three Rivers Provider Network- All Plans	$158	544%
Partnership Mcal - All Plans	$290	998%
Blue Shield Epn - All Other Plans	$326	1122%
Blue Shield Non-Epn	$333	1146%

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 $63.
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 Clearlake 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.