CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Methodist Hospitals Inc

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $92
Cash Discount Price: $92
vs. Medicare Baseline: 3.17x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Methodist Hospitals Inc is $92. 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 $29.06, this hospital’s rate is 3.17x the Medicare baseline. Located in 600 Grant St, Gary, IN.

Cash / Self-Pay

$92

Average discount available for prompt cash payment at this facility.

Insurance Median

$92

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $92 (317%)

Insurance Median: $92 (317%)

Cash: $92 (317% of Medicare)

Ins. Median: $92 (317% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 317% of the Medicare baseline (a markup of 217%). 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	$28 - $114	96%
Blue Cross Blue Shield	$28 - $186	96%
Humana	$28 - $186	96%
Medicare (plans)	$28	96%
United Heathcare	$28	96%
Zing	$28	96%
Cigna	$45 - $64	155%
Caresource Maketplace	$46	158%
Ambetter / Centene	$56	193%
Physicians Health Plan Of Northern Indiana	$67 - $89	231%
Encore	$70 - $137	241%
Phcs	$79 - $105	272%
Siho	$81 - $108	279%
Sagamore	$84 - $111	289%
Multiplan	$85 - $112	292%
Hfn	$90 - $131	310%
Magnacare	$133	458%
Caresource	$186	640%
Managed Health Services	$186	640%
Medicaid / KanCare	$186	640%
UnitedHealthcare	$186 - $313	640%

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: 97110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Methodist Hospitals Inc is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97110.
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.