CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Lutheran Medical Center

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $89
Cash Discount Price: Unavailable
vs. Medicare Baseline: 3.06x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Lutheran Medical Center is $89. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 3.06x the Medicare baseline. Located in 8300 W 38Th Ave, Wheat Ridge, CO.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$89

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%)

Insurance Median: $89 (306%)

Ins. Median: $89 (306% 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 306% of the Medicare baseline (a markup of 206%). 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
Aarp	$29	100%
UnitedHealthcare	$29 - $118	100%
Kaiser Snp	$30	103%
Select Health	$30	103%
Kaiser Perm Hmo	$38 - $86	131%
Kaiser Perm Ppo/Pos	$47 - $88	162%
Kaiser Self Funded	$47 - $86	162%
Allegiance	$51	175%
Cigna	$51 - $203	175%
Aetna	$76 - $182	262%
Denv Hlth Med Plan	$77	265%
Blue Cross Blue Shield	$81 - $171	279%
Geha	$81 - $118	279%
Preferred One	$81	279%
Humana	$85	292%
Cofinity	$147	506%
First Health Network	$147	506%
Private Hlthcare Sys	$153	526%
Multiplan Inc	$171	588%

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 $X.
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 Lutheran 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.