CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Cass County Memorial Hospital

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $57
Cash Discount Price: $92
vs. Medicare Baseline: 1.69x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Cass County Memorial Hospital is $57. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $92. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 1.69x the Medicare baseline. Located in 1501 East Tenth Street, Atlantic, IA.

Cash / Self-Pay

$92

Average discount available for prompt cash payment at this facility.

Insurance Median

$57

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: $92 (273%)

Insurance Median: $57 (169%)

Cash: $92 (273% of Medicare)

Ins. Median: $57 (169% 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
Midlands Choice Medica Mcr	$26	77%
Triwest - All Plans	$54	160%
Aetna	$55 - $125	163%
Amerigroup Mcr Adv - All Other Plans	$55	163%
Medica Mcr Adv	$55	163%
Tricare	$55	163%
UnitedHealthcare	$55 - $120	163%
Va Ccn - All Plans	$55	163%
Wellmark Mcr Adv	$56	166%
American Hlth Mcr Adv - All Plans	$57	169%
Iowa Total Care Mcaid	$57	169%
Iowa Total Care Mcr	$57	169%
Medicaid / KanCare	$57	169%
Molina Mcaid - All Plans	$57	169%
Iowa Total Care Comm - All Other Plans	$61	181%
Midlands Choice New Bus	$86	255%
Medica Comm - All Other Plans	$116	344%
Midlands Choice Pho (Ppo) - All Other Plans	$119	353%
Multiplan - All Plans	$125	371%
Wellmark Hmo	$158	468%
Wellmark Ppo - All Other Plans	$174	516%

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 $92.
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 Cass 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.