CMS Price Transparency Data
Occupational therapy (self-care training)
Facility: Lowell General Hospital
Billing Code: 97535 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 97535
- Insurance Median: $68
- Cash Discount Price: $102
- vs. Medicare Baseline: 2.10x Medicare
The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Lowell General Hospital is $68. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $102. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 2.10x the Medicare baseline. Located in 295 Varnum Avenue, Lowell, MA.
Cash / Self-Pay
$102
Average discount available for prompt cash payment at this facility.
Insurance Median
$68
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: $102 (315%)
Insurance Median: $68 (210%)
Cash: $102 (315% of Medicare)
Ins. Median: $68 (210% 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 210% of the Medicare baseline (a markup of 110%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash 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 |
|---|---|---|
| Allied Benefit Systems [100015] | $51 | 157% |
| Allied National Global Care [100107] | $51 | 157% |
| American Postal Workers [100089] | $51 | 157% |
| Amerihealth Caritas Nh [350007] | $51 | 157% |
| Assurant [100020] | $51 | 157% |
| Avmed Health Plan [100247] | $51 | 157% |
| Care One [950007] | $51 | 157% |
| Carecentrix Alternate [100257] | $51 | 157% |
| Compsych [100027] | $51 | 157% |
| Coresource [100285] | $51 | 157% |
| Coverage Discovery [100306] | $51 | 157% |
| D'Youville Senior Care [950003] | $51 | 157% |
| Employee Benefit Management [100033] | $51 | 157% |
| Eyemed [100290] | $51 | 157% |
| First Health [100278] | $51 | 157% |
| Geha [100039] | $51 | 157% |
| Generic Commercial [109999] | $51 | 157% |
| Group And Pension Administrators [100043] | $51 | 157% |
| Ibew Local 103 [100272] | $51 | 157% |
| Lowell Comm Health Center [950009] | $51 | 157% |
| Medicaid / KanCare | $51 - $145 | 157% |
| Medicare (plans) | $51 | 157% |
| Mutual Of Omaha [100074] | $51 | 157% |
| National Association Of Letter Carriers [100067] | $51 | 157% |
| National Elevator Ind Hlth Benefits [100273] | $51 | 157% |
| Norfolk County [500013] | $51 | 157% |
| Northwood Rehabilitation & Health [950004] | $51 | 157% |
| Nova Healthcare Administrators [100270] | $51 | 157% |
| Palm Manor [950005] | $51 | 157% |
| Plymouth County [500019] | $51 | 157% |
| Spectera [100291] | $51 | 157% |
| Sunny Acres Nursing Home [950006] | $51 | 157% |
| Tall Tree Administrators [100271] | $51 | 157% |
| Ultra Benefits [100280] | $51 | 157% |
| Wellsense Nh [350010] | $51 | 157% |
| Allaracare [100163] | $67 | 207% |
| Wc Acadia Insurance Company [700108] | $68 | 210% |
| Wc Aig [700029] | $68 | 210% |
| Wc Aim Mutual Insurance [700054] | $68 | 210% |
| Wc Alternative Service Concept [700065] | $68 | 210% |
| Wc Ameritrust [700066] | $68 | 210% |
| Wc Arrow Mutual Liability [700063] | $68 | 210% |
| Wc Atlantic Charter [700064] | $68 | 210% |
| Wc Berkshire Hathaway [700046] | $68 | 210% |
| Wc Boston Police And Firefighter [700061] | $68 | 210% |
| Wc Broadspire [700043] | $68 | 210% |
| Wc Careworks [700109] | $68 | 210% |
| Wc Cbcs [700110] | $68 | 210% |
| Wc Ccmsi [700055] | $68 | 210% |
| Wc Chubb Group [700067] | $68 | 210% |
| Wc Cic/Mcmc [700068] | $68 | 210% |
| Wc City Of Boston [700111] | $68 | 210% |
| Wc City Of Cambridge [700069] | $68 | 210% |
| Wc City Of Chelsea [700070] | $68 | 210% |
| Wc City Of Everett [700071] | $68 | 210% |
| Wc City Of Lowell [700062] | $68 | 210% |
| Wc City Of Lynn [700072] | $68 | 210% |
| Wc City Of Medford [700073] | $68 | 210% |
| Wc City Of Melrose Police [700112] | $68 | 210% |
| Wc City Of Melrose [700113] | $68 | 210% |
| Wc City Of Newton [700074] | $68 | 210% |
| Wc City Of Peabody [700075] | $68 | 210% |
| Wc City Of Revere [700076] | $68 | 210% |
| Wc City Of Somerville [700077] | $68 | 210% |
| Wc Cna [700048] | $68 | 210% |
| Wc Commonwealth Of Mass [700056] | $68 | 210% |
| Wc Consigly Construction [700079] | $68 | 210% |
| Wc Constitution State Services [700114] | $68 | 210% |
| Wc Continental Indemnity Co [700078] | $68 | 210% |
| Wc Corvel [700115] | $68 | 210% |
| Wc Cove Risk Services [700080] | $68 | 210% |
| Wc Creative Risk Solutions [700081] | $68 | 210% |
| Wc Crum & Forster [700082] | $68 | 210% |
| Wc Demoulas Supermarket [700083] | $68 | 210% |
| Wc Emc Insurance Company [700084] | $68 | 210% |
| Wc Energy Of Environmental Affairs [700085] | $68 | 210% |
| Wc Esis [700010] | $68 | 210% |
| Wc Federated Work Comp [700012] | $68 | 210% |
| Wc Future Comp [700116] | $68 | 210% |
| Wc Gallagher Bassett Work Comp [700013] | $68 | 210% |
| Wc Geico [700057] | $68 | 210% |
| Wc Generic Workers' Comp [709999] | $68 | 210% |
| Wc Gowry Group [700086] | $68 | 210% |
| Wc Hartford Insurance [700058] | $68 | 210% |
| Wc Hrd/Workers Compensation Unit [700087] | $68 | 210% |
| Wc Liberty Mutual Work Comp [700016] | $68 | 210% |
| Wc Mapfre Insurance [700089] | $68 | 210% |
| Wc Mass Nahro Insurance Group Trust [700090] | $68 | 210% |
| Wc Mass State Police [700091] | $68 | 210% |
| Wc Mbta [700092] | $68 | 210% |
| Wc Meditrol [700093] | $68 | 210% |
| Wc Memic [700117] | $68 | 210% |
| Wc Metlife [700094] | $68 | 210% |
| Wc Miia [700095] | $68 | 210% |
| Wc Ml Healthcare Services Llc [700119] | $68 | 210% |
| Wc Norfolk & Dedham Group [700096] | $68 | 210% |
| Wc Norguard Ins Co [700097] | $68 | 210% |
| Wc One Call Medical [700060] | $68 | 210% |
| Wc Plumbers Union Local No 12 [700098] | $68 | 210% |
| Wc Plymouth Rock [700099] | $68 | 210% |
| Wc Pma Work Comp [700031] | $68 | 210% |
| Wc Progressive Direct Insurance Co [700106] | $68 | 210% |
| Wc Retail Business Services Llc [700100] | $68 | 210% |
| Wc Rising Medical Solution [700101] | $68 | 210% |
| Wc Sedgwick [700027] | $68 | 210% |
| Wc Selective Insurance Co [700118] | $68 | 210% |
| Wc Sentry [700036] | $68 | 210% |
| Wc Sutter House [700102] | $68 | 210% |
| Wc Town Of Andover Fire Dept [700103] | $68 | 210% |
| Wc Town Of Arlington [700104] | $68 | 210% |
| Wc Travelers Insurance [700059] | $68 | 210% |
| Wc Us Department Of Labor [700023] | $68 | 210% |
| Wc Vermont Mutual Insurance Group [700105] | $68 | 210% |
| Wc York Risk Services [700049] | $68 | 210% |
| Wc Zurich [700034] | $68 | 210% |
| Tufts Health Public Plan Connectorcare [100264] | $80 - $82 | 247% |
| Wellpoint [100139] | $91 | 281% |
| Tufts Health Plan [100263] | $108 - $142 | 333% |
| Coventry [100010] | $115 | 355% |
| UnitedHealthcare | $119 - $267 | 367% |
| Claritev/Multiplan [100275] | $121 | 373% |
| Cypress Benefit Administrators [100122] | $121 | 373% |
| Health New England [100268] | $121 | 373% |
| Patient Advocates [100307] | $121 | 373% |
| Aetna | $133 | 410% |
| Meritain [100063] | $133 | 410% |
| Cigna | $134 - $142 | 414% |
| Blue Cross Blue Shield | $176 - $232 | 543% |
| Blue Benefits Administrators [100267] | $177 - $226 | 546% |
| Harvard Pilgrim Healthcare [100241] | $237 - $271 | 731% |
| Health Plans Inc [100262] | $237 - $249 | 731% |