CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Northwestern Medicine Kishwaukee Hospital

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $179
Cash Discount Price: $186
vs. Medicare Baseline: 5.31x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Northwestern Medicine Kishwaukee Hospital is $179. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $186. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 5.31x the Medicare baseline. Located in One Kish Hospital Drive, Dekalb, IL.

Cash / Self-Pay

$186

Average discount available for prompt cash payment at this facility.

Insurance Median

$179

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: $186 (551%)

Insurance Median: $179 (531%)

Cash: $186 (551% of Medicare)

Ins. Median: $179 (531% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 531% of the Medicare baseline (a markup of 431%). 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
Aetna	$48 - $228	142%
Health'S Finest Network [126]	$119 - $244	353%
UnitedHealthcare	$133 - $265	394%
Cigna	$140 - $141	415%
Blue Cross Blue Shield	$148 - $265	439%
The Alliance [1703]	$172	510%
Healthlink [125]	$199	590%
Choicecare [177]	$200	593%
Multiplan/Phcs [142]	$207 - $265	614%
Coventry [1218]	$228	676%
Coventryone Ppo [17110]	$228	676%
First Health Plan [6034]	$228	676%

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 $186.
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 Northwestern Medicine Kishwaukee 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.