CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Fhn Memorial Hospital

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $65
Cash Discount Price: $74
vs. Medicare Baseline: 1.93x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Fhn Memorial Hospital is $65. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $74. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 1.93x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$74

Average discount available for prompt cash payment at this facility.

Insurance Median

$65

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: $74 (219%)

Insurance Median: $65 (193%)

Cash: $74 (219% of Medicare)

Ins. Median: $65 (193% 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
Meridian Health Plan - All Plans	$31	92%
Aetna	$32 - $52	95%
Health Alliance Mcr Adv	$32	95%
Humana	$32 - $74	95%
Quartz Mcr Adv	$32	95%
UnitedHealthcare	$33 - $73	98%
The Alliance - All Plans	$56	166%
Ecoh Nihp	$59	175%
Nihp Employ - All Plans	$59	175%
Quartz - All Other Plans	$60	178%
Blue Cross Blue Shield	$63	187%
Ecoh - All Other Plans	$63	187%
Northern Il Hp - All Plans	$64	190%
First Health - All Plans	$65	193%
Health Alliance - All Other Plans	$65	193%
Hfn - All Plans	$76	225%
First Choice Il - All Plans	$79	234%
Multiplan Phcs - All Plans	$79	234%
Wps - All Plans	$81	240%
Galaxy - All Plans	$84	249%
Interplan Health - All Plans	$84	249%
Preferred Plan Ppo - All Plans	$84	249%
Trustmark - All Plans	$86	255%
Midland Choice - All Plans	$88	261%
Osf Healthplans - All Plans	$93	276%

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 $74.
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 Fhn 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.