CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: North Okaloosa Medical Center

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $130
Cash Discount Price: $59
vs. Medicare Baseline: 4.01x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at North Okaloosa Medical Center is $130. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $59. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 4.01x the Medicare baseline. Located in 151 Redstone Ave Se, Crestview, FL.

Cash / Self-Pay

$59

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: $59 (182%)

Insurance Median: $130 (401%)

Cash: $59 (182% 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
Tricare	$30	93%
Aetna	$31 - $299	96%
Blue Cross Blue Shield	$31 - $299	96%
Cigna	$31 - $234	96%
Humana	$31 - $33	96%
Medicare (plans)	$31	96%
Node Champva	$31	96%
UnitedHealthcare	$31 - $482	96%
Veterans Eval Services	$31	96%
Node Non Par Hospice Agree	$32	99%
Node Va	$32	99%
Wellcare	$32	99%
Simply Healthcare	$33	102%
Florida Department Of Corrections	$34	105%
Self Pay	$42 - $81	130%
Node Us Dept Of Labor	$49	151%
Evolutions	$52 - $264	160%
Usa Managed Care Work Comp Fl	$52	160%
Prime Health Work Comp Fl	$53	164%
Amcomp Workers Comp	$55	170%
State Auto Insurance Fl	$64	198%
Corizon Health Inc	$79 - $101	244%
Occunet	$80	247%
Oscar	$92	284%
Phcs	$211 - $270	651%

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 $59.
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 North Okaloosa Medical Center 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.