CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Humboldt County Memorial Hospital

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $52
Cash Discount Price: $60
vs. Medicare Baseline: 1.79x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Humboldt County Memorial Hospital is $52. 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 $29.06, this hospital’s rate is 1.79x the Medicare baseline. Located in 1000 North 15Th Street, Humboldt, IA.

Cash / Self-Pay

$60

Average discount available for prompt cash payment at this facility.

Insurance Median

$52

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: $60 (206%)

Insurance Median: $52 (179%)

Cash: $60 (206% of Medicare)

Ins. Median: $52 (179% 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
Aetna	$47 - $50	162%
Great West	$47	162%
Health Partners	$47 - $53	162%
Physicians Mutual	$48	165%
Cigna	$50	172%
Phcs	$50	172%
Blue Cross Blue Shield	$52 - $58	179%
Humana	$52 - $57	179%
Iowa Health	$52	179%
Molina	$52 - $66	179%
Deanhealth	$53	182%
UnitedHealthcare	$64	220%
Wellpoint	$64 - $66	220%
Iowa Total Care	$66	227%

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: 97110.

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 97110.
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.