CMS Price Transparency Data

Physical therapy (gait training)

Facility: Lake Huron Medical Center

Billing Code: 97116 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97116
Insurance Median: $28
Cash Discount Price: $27
vs. Medicare Baseline: 0.96x Medicare

The contracted insurance negotiated median rate for a Physical therapy (gait training) at Lake Huron Medical Center is $28. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $27. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 0.96x the Medicare baseline. Located in 2601 Electric Avenue, Port Huron, MI.

Cash / Self-Pay

$27

Average discount available for prompt cash payment at this facility.

Insurance Median

$28

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: $27 (93%)

Insurance Median: $28 (96%)

Cash: $27 (93% of Medicare)

Ins. Median: $28 (96% 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.

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	$15 - $28	52%
Mclaren Health Plan	$15 - $28	52%
Medicaid / KanCare	$15	52%
Priority Health	$15	52%
Blue Cross Blue Shield	$28 - $40	96%
Honest Hmo	$28	96%
Medicare (plans)	$28	96%
Reliance Hmo	$28	96%
Sunrise	$28	96%
Tricare	$28	96%
Zing	$29	100%
Employer Direct Healthcare	$39	134%
Naphcare	$43	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 $27.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97116.

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 97116.
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.