CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Saint Joseph Medical Center

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $33
Cash Discount Price: $33
vs. Medicare Baseline: 1.02x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Saint Joseph Medical Center is $33. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $33. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 1.02x the Medicare baseline. Located in 333 N Madison St, Joliet, IL.

Cash / Self-Pay

$33

Average discount available for prompt cash payment at this facility.

Insurance Median

$33

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.4 (100%)

Cash / Self-Pay: $33 (102%)

Insurance Median: $33 (102%)

Cash: $33 (102% of Medicare)

Ins. Median: $33 (102% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.4 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	$26 - $51	80%
Blue Cross Blue Shield	$26 - $47	80%
Humana	$26 - $37	80%
Medicaid / KanCare	$26	80%
Meridian	$28 - $35	86%
Molina	$28 - $50	86%
Celtic (Wellcare)	$33	102%
Cigna	$33	102%
Clear Spring Health Of Illinois	$33	102%
Devoted Health	$33	102%
Essential Health Partners	$33 - $38	102%
Longevity Health Plan Of Illinois	$33	102%
Medicare (plans)	$33	102%
Ravenswood Physicians Associates Ipa	$33	102%
Resurrection Physicians Provider Group	$33	102%
Self-Pay	$33	102%
Tricare	$33	102%
UnitedHealthcare	$33 - $42	102%
Zing Health Provider Network	$34	105%
Harmony Health Plan	$35	108%
Providers Partners Health Plan	$35	108%
Access Community Health Network	$40	123%
Clifton Health Systems	$51	157%
Ambetter / Centene	$54	167%
Hfn	$79	244%
Corvel	$81	250%
Coventry	$81	250%
Workers Comp	$81	250%
Imagine Health Network, Inc.	$149	460%
Community Partners Health Plan	$158	488%

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 $33.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97535.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Saint Joseph Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97535.
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.