CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Mainehealth Mid Coast Hospital

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $66
Cash Discount Price: $142
vs. Medicare Baseline: 2.04x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Mainehealth Mid Coast Hospital is $66. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $142. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 2.04x the Medicare baseline. Located in 123 Medical Center Drive, Brunswick, ME.

Cash / Self-Pay

$142

Average discount available for prompt cash payment at this facility.

Insurance Median

$66

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: $142 (438%)

Insurance Median: $66 (204%)

Cash: $142 (438% of Medicare)

Ins. Median: $66 (204% 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 204% of the Medicare baseline (a markup of 104%). 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
Aetna	$32 - $120	99%
Blue Cross Blue Shield	$32 - $41	99%
Humana	$32 - $37	99%
UnitedHealthcare	$32 - $134	99%
Wellcare	$33 - $37	102%
Multiplan	$62 - $133	191%
Harvard Pilgrim Healthcare	$63 - $114	194%
Community Health Options	$67 - $133	207%
Cigna	$100 - $122	309%

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 $142.
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 Mainehealth Mid Coast 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.