CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Murray-Calloway County Hospital

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $60
Cash Discount Price: $70
vs. Medicare Baseline: 1.78x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Murray-Calloway County Hospital is $60. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $70. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 1.78x the Medicare baseline. Located in 803 Poplar Street, Murray, KY.

Cash / Self-Pay

$70

Average discount available for prompt cash payment at this facility.

Insurance Median

$60

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: $70 (208%)

Insurance Median: $60 (178%)

Cash: $70 (208% of Medicare)

Ins. Median: $60 (178% 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.

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
Humana	$25 - $107	74%
Multiplan - All Plans	$25	74%
Blue Cross Blue Shield	$32 - $107	95%
Tricare	$32	95%
Triwest - All Plans	$32	95%
Wellcare Mcr Adv	$32	95%
Center Care - All Plans	$36	107%
Healthsmart - All Plans	$36	107%
UnitedHealthcare	$36	107%
Ambetter / Centene	$43	127%
Bluegrass - All Plans	$48	142%
Medben Mcch Employees	$54	160%
First Health - All Plans	$67	199%
Health Cost Solutions - All Plans	$79	234%
Medben City Of Murray - All Other Plans	$80	237%
Three Rivers - All Plans	$86	255%
Aetna	$107	317%
Corvel Corporation - All Plans	$107	317%
Medicaid / KanCare	$107	317%
Passport Health - All Plans	$107	317%
Coventry Cares Of Ky - All Plans	$111	329%
Wellcare Health Plan Inc	$112	332%
Occunet - All Plans	$120	356%

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 $70.
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 Murray-Calloway County Hospital 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.