CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Lake Huron Medical Center

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $31
Cash Discount Price: $30
vs. Medicare Baseline: 0.96x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Lake Huron Medical Center is $31. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $30. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 0.96x the Medicare baseline. Located in 2601 Electric Avenue, Port Huron, MI.

Cash / Self-Pay

$30

Average discount available for prompt cash payment at this facility.

Insurance Median

$31

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: $30 (93%)

Insurance Median: $31 (96%)

Cash: $30 (93% of Medicare)

Ins. Median: $31 (96% 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.

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
Mclaren Health Plan	$16 - $31	49%
Medicaid / KanCare	$16	49%
Priority Health	$16	49%
Aetna	$17 - $32	52%
Blue Cross Blue Shield	$31 - $44	96%
Honest Hmo	$31	96%
Medicare (plans)	$31	96%
Reliance Hmo	$31	96%
Sunrise	$31	96%
Tricare	$31	96%
Zing	$33	102%
Employer Direct Healthcare	$43	133%
Naphcare	$48	148%

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 $30.
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 Lake Huron Medical Center 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.