CMS Price Transparency Data

Physical therapy (neuromuscular re-education)

Facility: Fhn Memorial Hospital

Billing Code: 97112 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97112
Insurance Median: $131
Cash Discount Price: $151
vs. Medicare Baseline: 4.00x Medicare

The contracted insurance negotiated median rate for a Physical therapy (neuromuscular re-education) at Fhn Memorial Hospital is $131. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $151. Compared to the federal Medicare reimbursement reference rate of $32.73, this hospital’s rate is 4.00x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$151

Average discount available for prompt cash payment at this facility.

Insurance Median

$131

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.73 (100%)

Cash / Self-Pay: $151 (461%)

Insurance Median: $131 (400%)

Cash: $151 (461% of Medicare)

Ins. Median: $131 (400% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.73 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 400% of the Medicare baseline (a markup of 300%). 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
Meridian Health Plan - All Plans	$31	95%
Aetna	$32 - $109	98%
Health Alliance Mcr Adv	$32	98%
Humana	$32 - $155	98%
Quartz Mcr Adv	$32	98%
UnitedHealthcare	$32 - $153	98%
The Alliance - All Plans	$58 - $117	177%
Ecoh Nihp	$60 - $123	183%
Nihp Employ - All Plans	$60 - $123	183%
Quartz - All Other Plans	$62 - $127	189%
Blue Cross Blue Shield	$65 - $132	199%
Ecoh - All Other Plans	$65 - $133	199%
Health Alliance - All Other Plans	$65	199%
Northern Il Hp - All Plans	$66 - $135	202%
First Health - All Plans	$67 - $138	205%
Hfn - All Plans	$79 - $161	241%
First Choice Il - All Plans	$82 - $166	251%
Multiplan Phcs - All Plans	$82 - $166	251%
Wps - All Plans	$84 - $171	257%
Galaxy - All Plans	$86 - $176	263%
Interplan Health - All Plans	$86 - $176	263%
Preferred Plan Ppo - All Plans	$86 - $176	263%
Trustmark - All Plans	$88 - $180	269%
Midland Choice - All Plans	$91 - $186	278%
Osf Healthplans - All Plans	$96 - $196	293%

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 $151.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97112.

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 97112.
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.