CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Memorial Hospital, The

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $130
Cash Discount Price: $99
vs. Medicare Baseline: 4.01x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Memorial Hospital, The is $130. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $99. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 4.01x the Medicare baseline. Located in 750 Hospital Loop, Craig, CO.

Cash / Self-Pay

$99

Average discount available for prompt cash payment at this facility.

Insurance Median

$130

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: $99 (306%)

Insurance Median: $130 (401%)

Cash: $99 (306% of Medicare)

Ins. Median: $130 (401% 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 401% of the Medicare baseline (a markup of 301%). 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
Aetna	$57 - $153	176%
Blue Cross Blue Shield	$57 - $153	176%
Care Advantage	$57 - $153	176%
Cvs Caremark-Part D	$57 - $153	176%
Denver Health	$57 - $153	176%
Humana	$57 - $153	176%
Kaiser	$57 - $153	176%
Rmhp Dualcare	$57 - $153	176%
UnitedHealthcare	$57 - $153	176%
Allegiance	$130	401%
Cigna	$130	401%
Geha	$130	401%
Golden Rule Ins	$130	401%
Great West Hlthcare	$130	401%
Health Partners	$130	401%
Multiplan Inc Ppo	$141 - $145	435%
First Health Other	$145	448%

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 $99.
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 Memorial Hospital, The 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.