CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Franciscan Health Munster

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $124
Cash Discount Price: $39
vs. Medicare Baseline: 3.54x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Franciscan Health Munster is $124. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $39. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 3.54x the Medicare baseline. Located in 701 Superior Ave, Munster, IN.

Cash / Self-Pay

$39

Average discount available for prompt cash payment at this facility.

Insurance Median

$124

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$35.07

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $35.07 (100%)

Cash / Self-Pay: $39 (111%)

Insurance Median: $124 (354%)

Cash: $39 (111% of Medicare)

Ins. Median: $124 (354% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $35.07 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 354% of the Medicare baseline (a markup of 254%). 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
Medicare (plans)	$34	97%
Aetna	$66	188%
Blue Cross Blue Shield	$66 - $136	188%
Commercial [2001]	$66 - $185	188%
Managed Care [2000]	$66 - $203	188%
Unicare [1150]	$66	188%
Workers Comp [1172]	$67	191%
Cigna	$77 - $124	220%
Great West Insurance [1055]	$124	354%
United Medical Resources [1158]	$185 - $203	528%
United Medical Resources [1301]	$185 - $203	528%
UnitedHealthcare	$185 - $203	528%
Mdwise [1175]	$186	530%
Medicaid / KanCare	$186 - $224	530%
Managed Health Services [1302]	$192	547%

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 $39.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Franciscan Health Munster is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
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.