CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: St Charles Parish Hospital

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $104
Cash Discount Price: $38
vs. Medicare Baseline: 3.21x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at St Charles Parish Hospital is $104. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $38. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.21x the Medicare baseline. Located in 1057 Paul Maillard Road, Luling, LA.

Cash / Self-Pay

$38

Average discount available for prompt cash payment at this facility.

Insurance Median

$104

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.4 (100%)

Cash / Self-Pay: $38 (117%)

Insurance Median: $104 (321%)

Cash: $38 (117% of Medicare)

Ins. Median: $104 (321% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.4 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 321% of the Medicare baseline (a markup of 221%). 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
Tricare	$28 - $29	86%
Aetna	$30 - $123	93%
American Health Advantage Of Louisiana (Formerly Dignity Health Plan)	$30	93%
Blue Cross Blue Shield	$30 - $68	93%
Healthy Blue Dual Advantage (Hmo-D-Snp)	$30	93%
Humana	$30	93%
Medicare (plans)	$30	93%
Ochsner Health Plan	$30	93%
UnitedHealthcare	$30 - $153	93%
Zelis	$83 - $86	256%
Galaxy Health Network Ppo	$104 - $107	321%
Galaxy Health Network Wc	$104 - $107	321%
Louisiana Workers' Compensation Corporation (Lwcc)	$104 - $107	321%
Healthcomp & Personify Health (Formerly Gilsbar)	$106 - $110	327%
Claritev D/B/A Multiplan/Phcs/American Life Care	$110 - $114	340%
Cigna	$113	349%
First Health Network	$117 - $122	361%

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 $38.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97535.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Charles Parish Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97535.
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.