CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Cameron Memorial Community Hospital Inc

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $113
Cash Discount Price: $84
vs. Medicare Baseline: 3.35x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Cameron Memorial Community Hospital Inc is $113. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $84. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 3.35x the Medicare baseline. Located in 416 E Maumee St, Angola, IN.

Cash / Self-Pay

$84

Average discount available for prompt cash payment at this facility.

Insurance Median

$113

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: $84 (249%)

Insurance Median: $113 (335%)

Cash: $84 (249% of Medicare)

Ins. Median: $113 (335% 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 335% of the Medicare baseline (a markup of 235%). 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
Blue Cross Blue Shield	$43 - $89	127%
Aetna	$44 - $124	130%
Humana	$44 - $124	130%
UnitedHealthcare	$44 - $113	130%
Caresource Indiana Of In	$48 - $53	142%
Managed Health Services	$48	142%
Mdwise	$48	142%
Plain Church Group Ministry	$54 - $56	160%
Centivo	$75 - $78	222%
Lucent	$75 - $78	222%
Phcs	$103 - $107	305%
Php	$104 - $108	308%
Sagamore Health Network	$106 - $110	314%
Signature Care	$114 - $126	338%
Three Rivers Preferred	$117 - $122	347%
Cigna	$119 - $123	353%
Coventry	$121 - $126	359%
Lutheran Preferred	$124 - $129	368%
Encore	$127 - $132	377%
Frontpath	$127 - $132	377%
Corvel	$128 - $133	379%

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 $84.
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 Cameron Memorial Community Hospital Inc 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.