CMS Price Transparency Data

Physical therapy (neuromuscular re-education)

Facility: Fishermen's Community Hospital

Billing Code: 97112 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97112
Insurance Median: $164
Cash Discount Price: $189
vs. Medicare Baseline: 5.01x Medicare

The contracted insurance negotiated median rate for a Physical therapy (neuromuscular re-education) at Fishermen's Community Hospital is $164. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $189. Compared to the federal Medicare reimbursement reference rate of $32.73, this hospital’s rate is 5.01x the Medicare baseline. Located in 3301 Overseas Hwy, Marathon, FL.

Cash / Self-Pay

$189

Average discount available for prompt cash payment at this facility.

Insurance Median

$164

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.73 (100%)

Cash / Self-Pay: $189 (577%)

Insurance Median: $164 (501%)

Cash: $189 (577% of Medicare)

Ins. Median: $164 (501% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.73 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 501% of the Medicare baseline (a markup of 401%). 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
Amerigroup	$22	67%
Medicaid / KanCare	$22 - $24	67%
UnitedHealthcare	$22 - $290	67%
Aetna	$23 - $222	70%
Sunshine State	$23	70%
Vista	$23	70%
Wellcare	$23	70%
Blue Cross Blue Shield	$48 - $290	147%
Leon Medical	$61	186%
Medica Health Plan	$61	186%
Medicare (plans)	$61 - $82	186%
Humana	$66	202%
Avmed	$67 - $240	205%
Cigna	$69 - $232	211%
Non Contracted	$106	324%
International	$188	574%
Amerihealth	$218	666%
Dimension Health Plan	$218 - $261	666%
Affordable	$261	797%
Phcs	$261	797%
Quality Health	$261	797%

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 $189.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97112.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Fishermen's Community Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97112.
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.