Physical therapy (functional capacity test)
Facility: Saint Joseph Regional Medical Center
Billing Code: 97750 (CPT)
- CPT Billing Code: 97750
- Insurance Median: $98
- Cash Discount Price: $103
- vs. Medicare Baseline: 2.91x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 291% of the Medicare baseline (a markup of 191%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
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 | $32 - $103 | 95% |
| Blue Cross Blue Shield | $32 - $186 | 95% |
| Medicare (plans) | $32 - $33 | 95% |
| Meridian Complete | $32 | 95% |
| Pace-Trinity Health | $32 | 95% |
| UnitedHealthcare | $32 - $186 | 95% |
| County Coroner | $34 | 101% |
| Provider Partners Health Plan Of Indiana | $36 | 107% |
| Hospice Of Marshall County | $41 | 122% |
| Hospice Of St Joseph County | $41 | 122% |
| Plain Church Group | $43 | 127% |
| Auxiant | $49 - $131 | 145% |
| Physicians Health Plan Northern Indiana Health Insurance | $49 - $98 | 145% |
| St Joseph County Hlth Dpt | $49 | 145% |
| Caresource | $50 | 148% |
| Siho Insurance Services | $52 | 154% |
| Key Benefit Administrator | $58 - $98 | 172% |
| Allied Benefit Systems | $62 - $103 | 184% |
| Blue Benefit Administrators Of Massachusetts | $65 | 193% |
| Blue Care Network | $65 | 193% |
| Blue Distinction Transplant | $65 | 193% |
| Blue Shield - Ca | $65 | 193% |
| Blue Shield - Id (Regence) | $65 | 193% |
| Blue Shield - Ny Highmark Northeastern | $65 | 193% |
| Blue Shield - Ny Highmark Western | $65 | 193% |
| Blue Shield - Pa (Highmark) | $65 | 193% |
| Blue Shield - Wa (Regence) | $65 | 193% |
| Custom Design Benefits | $70 | 208% |
| Notre Dame Athletic Association | $87 | 258% |
| Wc Notre Dame | $87 | 258% |
| Luminare Health (Detroit) | $90 - $95 | 267% |
| Encore Health | $94 - $98 | 279% |
| Ameriben | $95 | 282% |
| Indiana Criminal Justice Inst | $98 | 291% |
| Western & Southern Financial Group | $98 | 291% |
| Cigna | $101 | 299% |
| Geha | $101 | 299% |
| Group Administrators | $101 | 299% |
| Health Partners | $101 | 299% |
| Healthscope | $101 | 299% |
| Mvp | $101 | 299% |
| Prairie States | $101 | 299% |
| Priority Health | $101 | 299% |
| Professional Benefit Administrators | $101 | 299% |
| Sagamore Health Network | $101 - $117 | 299% |
| Sisco Benefits | $101 | 299% |
| Student Insurance Cma | $101 | 299% |
| Unified Group Services | $101 | 299% |
| Asr Health Benefits | $103 | 305% |
| Christian Brother Services | $103 | 305% |
| Employee Benefit Management | $103 | 305% |
| Medical Mutual | $103 | 305% |
| Meritain | $103 | 305% |
| Preferred One | $103 | 305% |
| Rural Carrier Health Benefit Plan | $103 | 305% |
| Webtpa | $103 | 305% |
| Goshen Preferred Network | $122 - $136 | 362% |
| Christian Brothers Holy Cross | $126 | 374% |
| Signature Care | $126 | 374% |
| Bankers Life Casualty | $158 | 468% |
| Bureau Of Disability | $158 | 468% |
| Managed Health Services - Indiana | $186 | 551% |
| Mdwise | $186 | 551% |
| Medicaid / KanCare | $186 | 551% |