CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Iowa Specialty Hospital - Belmond

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $113
Cash Discount Price: $97
vs. Medicare Baseline: 3.49x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Iowa Specialty Hospital - Belmond is $113. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $97. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.49x the Medicare baseline. Located in 403 First Street Se, Belmond, IA.

Cash / Self-Pay

$97

Average discount available for prompt cash payment at this facility.

Insurance Median

$113

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: $97 (299%)

Insurance Median: $113 (349%)

Cash: $97 (299% of Medicare)

Ins. Median: $113 (349% 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 349% of the Medicare baseline (a markup of 249%). 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	$51 - $156	157%
Tricare	$51 - $52	157%
Triwest Va Choice And Pc3-All Plans	$51 - $52	157%
UnitedHealthcare	$51 - $144	157%
Wellmark Hmo	$78	241%
Healthscope Stellar - All Plans	$84 - $87	259%
Wellmark Ppo-All Other Plans	$85	262%
Auxiant Clarion Schools-All Plans	$103 - $107	318%
Health Partners Prestage	$119 - $123	367%
Health Partners Ish-All Other Plans	$127 - $131	392%
Cigna	$154 - $159	475%
Midlands Choice-All Plans	$154 - $159	475%

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 $97.
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 Iowa Specialty Hospital - Belmond 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.