CMS Price Transparency Data
Physical therapy (gait training)
Facility: St Joe Mercy Hospital System Livonia
Billing Code: 97116 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 97116
- Insurance Median: $93
- Cash Discount Price: $96
- vs. Medicare Baseline: 3.20x Medicare
The contracted insurance negotiated median rate for a Physical therapy (gait training) at St Joe Mercy Hospital System Livonia is $93. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $96. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 3.20x the Medicare baseline. Located in 36475 Five Mile Road, Livonia, MI.
Cash / Self-Pay
$96
Average discount available for prompt cash payment at this facility.
Insurance Median
$93
Median negotiated contract rate across all mapped commercial carriers.
Medicare Reference Rate
$29.06
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Medicare Reference Baseline: $29.06 (100%)
Cash / Self-Pay: $96 (330%)
Insurance Median: $93 (320%)
Cash: $96 (330% of Medicare)
Ins. Median: $93 (320% of Medicare)
Understanding this gauge: We use the federal Medicare rate of $29.06 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 320% of the Medicare baseline (a markup of 220%). 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.
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Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Blue Cross Blue Shield | $16 - $46 | 55% |
| Medicaid / KanCare | $16 | 55% |
| Aetna | $28 - $86 | 96% |
| Blue Care Network Advantage | $28 | 96% |
| Hospice Of Michigan | $28 | 96% |
| Medicare (plans) | $28 - $30 | 96% |
| Align Senior Care | $29 | 100% |
| Angela Hospice | $29 | 100% |
| UnitedHealthcare | $30 - $95 | 103% |
| Cca - Zing Health | $31 | 107% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $33 | 114% |
| Molina Marketplace | $38 | 131% |
| Wc Accident Fund | $42 | 145% |
| Wc Advantage | $42 | 145% |
| Wc Aig | $42 | 145% |
| Wc Allied | $42 | 145% |
| Wc Amerisure | $42 | 145% |
| Wc Amtrust | $42 | 145% |
| Wc Asu Risk Mgt | $42 | 145% |
| Wc Berkley Admin | $42 | 145% |
| Wc Broadspire | $42 | 145% |
| Wc Bunch & Associates | $42 | 145% |
| Wc Ccmsi | $42 | 145% |
| Wc Emc Insurance Company | $42 | 145% |
| Wc Esis | $42 | 145% |
| Wc Fcci | $42 | 145% |
| Wc Federated | $42 | 145% |
| Wc Gallagher Bassett | $42 | 145% |
| Wc Genex Care For Ohio | $42 | 145% |
| Wc Guard Insurance Company | $42 | 145% |
| Wc Hartford | $42 | 145% |
| Wc Liberty Mutual | $42 | 145% |
| Wc Meijers | $42 | 145% |
| Wc Michigan | $42 | 145% |
| Wc Mitchell Frankenmuth | $42 | 145% |
| Wc Pma | $42 | 145% |
| Wc Sedgwick | $42 | 145% |
| Wc Sentry | $42 | 145% |
| Wc Travelers | $42 | 145% |
| Wc Tristar | $42 | 145% |
| Wc Walmart | $42 | 145% |
| Wc Zurich | $42 | 145% |
| U Of M Health Plan | $44 | 151% |
| Health Cost Solutions | $45 | 155% |
| Vitalcore | $45 | 155% |
| Wellpath | $45 | 155% |
| Bcn Domestic | $46 | 158% |
| Blue Benefit Administrators Of Massachusetts | $46 | 158% |
| Blue Care Network | $46 | 158% |
| Blue Distinction Transplant | $46 | 158% |
| Blue Shield - Ca | $46 | 158% |
| Blue Shield - Id (Regence) | $46 | 158% |
| Blue Shield - Ny Highmark Northeastern | $46 | 158% |
| Blue Shield - Ny Highmark Western | $46 | 158% |
| Blue Shield - Pa (Highmark) | $46 | 158% |
| Blue Shield - Wa (Regence) | $46 | 158% |
| Health Choices | $46 - $94 | 158% |
| Kaiser Domestic | $46 | 158% |
| Priority Health | $49 - $54 | 169% |
| Acs Benefit Services | $63 | 217% |
| Allied Benefit Systems | $63 | 217% |
| Claimchoice Adminstrators | $63 | 217% |
| Consociate | $63 | 217% |
| Cypress Benefit Administrators | $63 | 217% |
| Forest County Potawatomi | $63 | 217% |
| Health Smart | $63 | 217% |
| Healthgram | $63 | 217% |
| Healthscope | $63 | 217% |
| Secureone Preferred United Plans | $63 | 217% |
| Sisco Benefits | $63 | 217% |
| The Health Plan | $63 | 217% |
| Trustmark Small Business Benefits | $63 | 217% |
| Unified Group Services | $63 | 217% |
| Webtpa | $63 | 217% |
| Employee Benefit Logistic | $65 | 224% |
| Asr Health Benefits | $78 | 268% |
| Caresource | $78 | 268% |
| Hap | $78 - $91 | 268% |
| Varipro | $78 | 268% |
| Geha | $86 - $95 | 296% |
| Luminare Health (Detroit) | $86 | 296% |
| Meritain | $86 | 296% |
| Health Partners | $91 | 313% |
| Tufts Health Plan | $91 | 313% |
| Cigna | $93 - $118 | 320% |
| Access Health | $94 | 323% |
| Acclaim | $94 | 323% |
| Administrative Concepts | $94 | 323% |
| Allegeant | $94 | 323% |
| Ameriben | $94 | 323% |
| American Family | $94 | 323% |
| American Healthcare Alliance | $94 | 323% |
| American National | $94 | 323% |
| American Republic | $94 | 323% |
| Amerihealth | $94 | 323% |
| Aultcare | $94 | 323% |
| Automated Benefit Services | $94 | 323% |
| Auxiant | $94 | 323% |
| Benefit Administrative Systems,Llc | $94 | 323% |
| Boon Chapman | $94 | 323% |
| Cam Administrative Services | $94 | 323% |
| Christian Brother Services | $94 | 323% |
| Christian Brothers Holy Cross | $94 | 323% |
| Comprehensive Benefits | $94 | 323% |
| Continental Life Insurance | $94 | 323% |
| Custom Benefit Administrators | $94 | 323% |
| Employee Benefit Concepts | $94 | 323% |
| Employee Benefit Management | $94 | 323% |
| Enterprise Group Planning | $94 | 323% |
| Freedom Life Insurance Company | $94 | 323% |
| Group Administrators | $94 | 323% |
| Group Marketing Services | $94 | 323% |
| Guardian | $94 | 323% |
| Health America | $94 | 323% |
| Healthcare Management Admin | $94 | 323% |
| Healthez | $94 | 323% |
| Humana | $94 | 323% |
| Insight | $94 | 323% |
| Intercare | $94 | 323% |
| Jfp Benefit Management | $94 | 323% |
| Jp Farley Corporation | $94 | 323% |
| Key Benefit Administrator | $94 | 323% |
| Liberty Union Life Assurance Co | $94 | 323% |
| Lucent Health | $94 | 323% |
| Luminare Health | $94 | 323% |
| Magnacare | $94 | 323% |
| Medben | $94 | 323% |
| Medcost | $94 | 323% |
| Medical Mutual | $94 | 323% |
| Mutual Health Services | $94 | 323% |
| Mutual Of Omaha | $94 | 323% |
| Ncas | $94 | 323% |
| Nippon Life Ins | $94 | 323% |
| Nova | $94 | 323% |
| Painters Union Insurance Fund | $94 | 323% |
| Physicians Mutual | $94 | 323% |
| Plumbers Local 98 Insurance Fund | $94 | 323% |
| Prairie States | $94 | 323% |
| Preferred One | $94 | 323% |
| Primary Physician Care | $94 | 323% |
| Professional Benefit Administrators | $94 | 323% |
| Siho Insurance Services | $94 | 323% |
| The Loomis Company | $94 | 323% |
| Unicare | $94 | 323% |
| Us Health And Life | $94 | 323% |
| Valenz | $94 | 323% |
| Western & Southern Financial Group | $94 | 323% |
| Wps | $94 | 323% |
| 1199 National Benefit Fund | $95 | 327% |
| Allied National Global Care | $95 | 327% |
| Asrm - Reliance Standard Life Insurance | $95 | 327% |
| Christian Care Ministry | $95 | 327% |
| Dean Health | $95 | 327% |
| Fallon Health | $95 | 327% |
| Family Life Insurance Company | $95 | 327% |
| Ghc Scw | $95 | 327% |
| Group Pension Administrators | $95 | 327% |
| International Benefit Administrators | $95 | 327% |
| Lifetime Benefit Solutions | $95 | 327% |
| Manhattan Life | $95 | 327% |
| Medi Share | $95 | 327% |
| Multiplan | $95 | 327% |
| Mvp | $95 | 327% |
| Pai | $95 | 327% |
| Pan-American Life | $95 | 327% |
| Paramount Hmo | $95 | 327% |
| Phcs | $95 | 327% |
| Trinity Health Share | $95 | 327% |
| First Health | $97 | 334% |
| Coventry | $118 | 406% |
| Prime Health Services | $118 | 406% |
| Three Rivers Provider Network | $133 | 458% |
| Carelon Behavioral Health | $148 | 509% |
| Cmh Detroit Wayne Integrated Health Network | $148 | 509% |
| Cmh Lenawee County | $148 | 509% |
| Cmh Livingston County | $148 | 509% |
| Cmh Misc | $148 | 509% |
| Cmh Monroe County | $148 | 509% |
| Cmh Washtenaw County | $148 | 509% |
| Magellan Behavioral Health | $148 | 509% |