CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Humboldt County Memorial Hospital

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $60
Cash Discount Price: $69
vs. Medicare Baseline: 1.78x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Humboldt County Memorial Hospital is $60. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $69. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 1.78x the Medicare baseline. Located in 1000 North 15Th Street, Humboldt, IA.

Cash / Self-Pay

$69

Average discount available for prompt cash payment at this facility.

Insurance Median

$60

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$33.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $33.73 (100%)

Cash / Self-Pay: $69 (205%)

Insurance Median: $60 (178%)

Cash: $69 (205% of Medicare)

Ins. Median: $60 (178% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $33.73 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.

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
Great West	$52 - $54	154%
Aetna	$53 - $57	157%
Health Partners	$53 - $61	157%
Physicians Mutual	$54 - $55	160%
Cigna	$56 - $57	166%
Phcs	$56 - $57	166%
Blue Cross Blue Shield	$58 - $67	172%
Humana	$58 - $65	172%
Iowa Health	$58 - $60	172%
Molina	$58 - $76	172%
Deanhealth	$60 - $61	178%
UnitedHealthcare	$72 - $73	213%
Wellpoint	$72 - $76	213%
Iowa Total Care	$75 - $76	222%

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 $69.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97750.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Humboldt County Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97750.
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.