CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Gundersen Palmer Lutheran Hospital and Clinics

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $59
Cash Discount Price: $60
vs. Medicare Baseline: 1.82x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Gundersen Palmer Lutheran Hospital and Clinics is $59. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $60. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 1.82x the Medicare baseline. Located in 112 Jefferson Street, West Union, IA.

Cash / Self-Pay

$60

Average discount available for prompt cash payment at this facility.

Insurance Median

$59

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: $60 (185%)

Insurance Median: $59 (182%)

Cash: $60 (185% of Medicare)

Ins. Median: $59 (182% 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.

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	$12 - $56	37%
Molina Health	$12	37%
UnitedHealthcare	$53 - $56	164%
Health Partners	$54 - $94	167%
Wellmark	$55 - $89	170%
Humana	$56	173%
Iowa Total Care	$56	173%
Managed Health Service	$56	173%
Ucare	$56 - $86	173%
Quartz	$58	179%
Alliance	$85 - $173	262%
Medical Associates	$86	265%
Aspirus Arise Health	$89	275%
Multiplan/Healtheos	$94 - $100	290%
Coventry Health Care	$102	315%
Midland Choice	$104	321%

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 $60.
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 Gundersen Palmer Lutheran Hospital and Clinics 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.