Physical therapy (functional capacity test)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 97750 (CPT)
- CPT Billing Code: 97750
- Insurance Median: $18
- Cash Discount Price: $27
- vs. Medicare Baseline: 0.53x 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.
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 |
|---|---|---|
| Tricare | $11 | 33% |
| Aetna | $12 | 36% |
| Medadv_Allwell | $12 | 36% |
| Va_Ccn | $12 | 36% |
| Blue Cross Blue Shield | $12 - $36 | 36% |
| Medicare (plans) | $12 | 36% |
| Medadv_Uhc | $12 | 36% |
| Humana | $12 | 36% |
| Medicaid / KanCare | $18 | 53% |
| Ambetter / Centene | $18 | 53% |
| United | $30 | 89% |
| Wppa_Providrscare | $30 | 89% |
| Cigna | $35 | 104% |
| Hpk | $35 | 104% |
| Coventry | $35 | 104% |
Consumer Guidance & Cost Commentary
For the Physical therapy (functional capacity test) service at Neosho Memorial Regional Medical Center in Chanute, KS, the cash price of $27.00 is notably lower than the facility's gross charge of $36.00. While the facility is a Critical Access Hospital with government ownership, patients with high-deductible plans may find the cash rate more affordable than their insurance negotiated rates, which range from $11 to $36 depending on the payer. For instance, while Tricare and Aetna have a fixed negotiated rate of $11, Blue Cross Blue Shield has a range of $12 to $36 across its two plans. It is important to note that commercial negotiated rates often include administrative overhead and can exceed cash prices, so patients should verify their specific plan's allowed amount before scheduling to ensure they are not paying more than necessary.
To avoid unexpected costs, patients should proactively request a "self-pay" or "prompt-pay" discount from the hospital before check-in, as these upfront payment incentives can significantly reduce the final bill. Additionally, if a patient receives care from an out-of-network provider or encounters services billed at the full chargemaster rate, they may be subject to balance billing for the difference between the provider's list price and the insurance allowed amount. However, federal protections under the No Surprises Act ban balance billing for emergency and non-emergency services at in-network facilities, and patients should dispute any surprise bills in writing rather than accepting summary invoices. Since over 80% of hospital bills contain errors, requesting a detailed, itemized audit of the CPT codes and unit costs is the most effective way to identify unbundled charges or services not rendered.