CMS Price Transparency Data

Physical therapy (gait training)

Facility: Humboldt County Memorial Hospital

Billing Code: 97116 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97116
Insurance Median: $44
Cash Discount Price: $50
vs. Medicare Baseline: 1.51x Medicare

The contracted insurance negotiated median rate for a Physical therapy (gait training) at Humboldt County Memorial Hospital is $44. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $50. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 1.51x the Medicare baseline. Located in 1000 North 15Th Street, Humboldt, IA.

Cash / Self-Pay

$50

Average discount available for prompt cash payment at this facility.

Insurance Median

$44

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: $50 (172%)

Insurance Median: $44 (151%)

Cash: $50 (172% of Medicare)

Ins. Median: $44 (151% 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.

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	$39	134%
Aetna	$40 - $42	138%
Health Partners	$40 - $45	138%
Physicians Mutual	$40	138%
Cigna	$42	145%
Phcs	$42	145%
Blue Cross Blue Shield	$44 - $49	151%
Humana	$44 - $48	151%
Iowa Health	$44	151%
Molina	$44 - $56	151%
Deanhealth	$45	155%
UnitedHealthcare	$54	186%
Wellpoint	$54 - $56	186%
Iowa Total Care	$56	193%

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 $50.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97116.

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 97116.
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.