CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Palm Bay Hospital

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $230
Cash Discount Price: $72
vs. Medicare Baseline: 6.56x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Palm Bay Hospital is $230. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $72. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 6.56x the Medicare baseline. Located in 1425 Malabar Rd, Ne, Palm Bay, FL.

Cash / Self-Pay

$72

Average discount available for prompt cash payment at this facility.

Insurance Median

$230

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$35.07

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $35.07 (100%)

Cash / Self-Pay: $72 (205%)

Insurance Median: $230 (656%)

Cash: $72 (205% of Medicare)

Ins. Median: $230 (656% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $35.07 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 656% of the Medicare baseline (a markup of 556%). 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
Health First Health Plan	$24 - $86	68%
Corizon Health	$34	97%
UnitedHealthcare	$85 - $561	242%
Florida Healthcare Plans	$91	259%
Cigna	$111 - $118	317%
Aetna	$160 - $316	456%
Disney Cruise Line	$172	490%
Prime Heath Services, Inc.	$216	616%
Multiplan	$230	656%
Amerigroup	$288	821%
Humana	$288	821%
Molina Healthcare	$288 - $322	821%
Sunshine Health Plan	$302	861%
Florida Blue	$1,010 - $1,051	2880%

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 $72.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Palm Bay Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
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.