CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Baycare Hospital Wesley Chapel

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $81
Cash Discount Price: $104
vs. Medicare Baseline: 2.79x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Baycare Hospital Wesley Chapel is $81. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $104. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 2.79x the Medicare baseline. Located in 4501 Bruce B Downs Blvd, Wesley Chapel, FL.

Cash / Self-Pay

$104

Average discount available for prompt cash payment at this facility.

Insurance Median

$81

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: $104 (358%)

Insurance Median: $81 (279%)

Cash: $104 (358% of Medicare)

Ins. Median: $81 (279% 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 279% of the Medicare baseline (a markup of 179%). 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	$22 - $142	76%
Baycareplus	$22	76%
Blue Cross Blue Shield	$22 - $92	76%
Clear Health Alliance	$22	76%
Freedom Health	$23	79%
Humana	$23 - $27	79%
Molina Healthcare	$23	79%
Simply Healthcare	$23 - $31	79%
Sunshine Health	$23	79%
UnitedHealthcare	$23 - $157	79%
Florida Community Care	$24	83%
Solis Health	$24	83%
Cigna	$25 - $151	86%
Wellcare	$30	103%
Molina	$31 - $103	107%
Freedom	$35	120%
Optimum	$35	120%
Careplus	$40	138%
Ambetter / Centene	$49 - $174	169%
Ultimate Health Plan	$52	179%
Avmed	$54 - $85	186%
Evolutions	$87 - $162	299%
First Health	$148	509%
Multiplan	$157	540%

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 $104.
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 Baycare Hospital Wesley Chapel 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.