CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Virginia Gay Hospital

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $79
Cash Discount Price: $80
vs. Medicare Baseline: 2.25x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Virginia Gay Hospital is $79. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $80. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 2.25x the Medicare baseline. Located in 502 North 9Th Avenue, Vinton, IA.

Cash / Self-Pay

$80

Average discount available for prompt cash payment at this facility.

Insurance Median

$79

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$35.07

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $35.07 (100%)

Cash / Self-Pay: $80 (228%)

Insurance Median: $79 (225%)

Cash: $80 (228% of Medicare)

Ins. Median: $79 (225% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $35.07 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 225% of the Medicare baseline (a markup of 125%). 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
Medicaid / KanCare	$33 - $44	94%
UnitedHealthcare	$34 - $49	97%
Va Ccn-All Plans	$37 - $38	106%
Health Alliance Mcr Adv	$39 - $40	111%
Medical Associates-All Plans	$74 - $76	211%
Cedar Valley Community Healthcare-All Plans	$78 - $80	222%
Humana	$79 - $82	225%
Health Partners-All Plans	$84 - $87	240%
Healthsmart-All Plans	$84 - $87	240%
Corvel-All Plans	$92 - $95	262%
Health Alliance-All Other Plans	$94 - $97	268%
Aetna	$100	285%
Wellmark Hmo	$136	388%
Wellmark Ppo-All Other Plans	$150	428%

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 $80.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Virginia Gay Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
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.