CMS Price Transparency Data
Occupational therapy (therapeutic activities)
Facility: Trinity Health Muskegon Hospital
Billing Code: 97530 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 97530
- Insurance Median: $93
- Cash Discount Price: $81
- vs. Medicare Baseline: 2.65x Medicare
The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Trinity Health Muskegon Hospital is $93. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $81. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 2.65x the Medicare baseline. Located in 1500 E Sherman Blvd, Muskegon, MI.
Cash / Self-Pay
$81
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
$35.07
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Medicare Reference Baseline: $35.07 (100%)
Cash / Self-Pay: $81 (231%)
Insurance Median: $93 (265%)
Cash: $81 (231% of Medicare)
Ins. Median: $93 (265% of Medicare)
Understanding this gauge: We use the federal Medicare rate of $35.07 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 265% of the Medicare baseline (a markup of 165%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $18 - $60 | 51% |
| Medicaid / KanCare | $18 - $19 | 51% |
| Access Health | $23 | 66% |
| Aetna | $33 - $84 | 94% |
| Blue Care Network Advantage | $33 | 94% |
| Medicare (plans) | $33 | 94% |
| Align Senior Care | $34 | 97% |
| Correctional Recovery | $34 | 97% |
| Heartland Hospice | $34 | 97% |
| Hospice Harbor Hospice | $34 | 97% |
| UnitedHealthcare | $35 - $109 | 100% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $38 | 108% |
| Oscar | $43 | 123% |
| Molina Marketplace | $44 | 125% |
| Vitalcore | $52 | 148% |
| Wellpath | $52 | 148% |
| U Of M Health Plan | $53 - $98 | 151% |
| Bcn Domestic | $60 | 171% |
| Blue Benefit Administrators Of Massachusetts | $60 | 171% |
| Blue Care Network | $60 | 171% |
| Blue Distinction Transplant | $60 | 171% |
| Blue Shield - Ca | $60 | 171% |
| Blue Shield - Id (Regence) | $60 | 171% |
| Blue Shield - Ny Highmark Northeastern | $60 | 171% |
| Blue Shield - Ny Highmark Western | $60 | 171% |
| Blue Shield - Pa (Highmark) | $60 | 171% |
| Blue Shield - Wa (Regence) | $60 | 171% |
| Health Choices | $60 - $98 | 171% |
| Kaiser Domestic | $60 | 171% |
| Acs Benefit Services | $64 | 182% |
| Allied Benefit Systems | $64 | 182% |
| Claimchoice Adminstrators | $64 | 182% |
| Consociate | $64 | 182% |
| Cypress Benefit Administrators | $64 | 182% |
| Forest County Potawatomi | $64 | 182% |
| Health Smart | $64 | 182% |
| Healthgram | $64 | 182% |
| Healthscope | $64 | 182% |
| Preferred One | $64 | 182% |
| Secureone Preferred United Plans | $64 | 182% |
| Sisco Benefits | $64 | 182% |
| The Health Plan | $64 | 182% |
| Trustmark Small Business Benefits | $64 | 182% |
| Unified Group Services | $64 | 182% |
| Webtpa | $64 | 182% |
| Asr Health Benefits | $66 | 188% |
| Hap | $66 - $98 | 188% |
| Wc Accident Fund | $66 | 188% |
| Wc Advantage | $66 | 188% |
| Wc Aig | $66 | 188% |
| Wc Allied | $66 | 188% |
| Wc Amerisure | $66 | 188% |
| Wc Amtrust | $66 | 188% |
| Wc Asu Risk Mgt | $66 | 188% |
| Wc Berkley Admin | $66 | 188% |
| Wc Broadspire | $66 | 188% |
| Wc Bunch & Associates | $66 | 188% |
| Wc Ccmsi | $66 | 188% |
| Wc Emc Insurance Company | $66 | 188% |
| Wc Esis | $66 | 188% |
| Wc Fcci | $66 | 188% |
| Wc Federated | $66 | 188% |
| Wc Gallagher Bassett | $66 | 188% |
| Wc Genex Care For Ohio | $66 | 188% |
| Wc Guard Insurance Company | $66 | 188% |
| Wc Hartford | $66 | 188% |
| Wc Liberty Mutual | $66 | 188% |
| Wc Meijers | $66 | 188% |
| Wc Michigan | $66 | 188% |
| Wc Mitchell Frankenmuth | $66 | 188% |
| Wc Pma | $66 | 188% |
| Wc Sedgwick | $66 | 188% |
| Wc Sentry | $66 | 188% |
| Wc Travelers | $66 | 188% |
| Wc Tristar | $66 | 188% |
| Wc Walmart | $66 | 188% |
| Wc Zurich | $66 | 188% |
| Hospice Of Michigan | $68 | 194% |
| Nomi Health | $69 | 197% |
| Varipro | $72 | 205% |
| Priority Health | $73 - $81 | 208% |
| Caresource | $78 | 222% |
| Cigna | $78 | 222% |
| Geha | $84 - $109 | 240% |
| Meritain | $84 | 240% |
| 1199 National Benefit Fund | $93 | 265% |
| Allied National Global Care | $93 | 265% |
| Asrm - Reliance Standard Life Insurance | $93 | 265% |
| Christian Care Ministry | $93 | 265% |
| Dean Health | $93 | 265% |
| Fallon Health | $93 | 265% |
| Family Life Insurance Company | $93 | 265% |
| Ghc Scw | $93 | 265% |
| Group Pension Administrators | $93 | 265% |
| International Benefit Administrators | $93 | 265% |
| Lifetime Benefit Solutions | $93 | 265% |
| Manhattan Life | $93 | 265% |
| Medi Share | $93 | 265% |
| Multiplan | $93 | 265% |
| Mvp | $93 | 265% |
| Pai | $93 | 265% |
| Pan-American Life | $93 | 265% |
| Paramount Hmo | $93 | 265% |
| Phcs | $93 | 265% |
| Trinity Health Share | $93 | 265% |
| Acclaim | $98 | 279% |
| Administrative Concepts | $98 | 279% |
| Allegeant | $98 | 279% |
| Ameriben | $98 | 279% |
| American Family | $98 | 279% |
| American Healthcare Alliance | $98 | 279% |
| American Republic | $98 | 279% |
| Amerihealth | $98 | 279% |
| Aultcare | $98 | 279% |
| Automated Benefit Services | $98 | 279% |
| Auxiant | $98 | 279% |
| Benefit Administrative Systems,Llc | $98 | 279% |
| Boon Chapman | $98 | 279% |
| Cam Administrative Services | $98 | 279% |
| Christian Brother Services | $98 | 279% |
| Christian Brothers Holy Cross | $98 | 279% |
| Comprehensive Benefits | $98 | 279% |
| Continental Life Insurance | $98 | 279% |
| Custom Benefit Administrators | $98 | 279% |
| Employee Benefit Concepts | $98 | 279% |
| Employee Benefit Management | $98 | 279% |
| Enterprise Group Planning | $98 | 279% |
| Freedom Life Insurance Company | $98 | 279% |
| Group Administrators | $98 | 279% |
| Group Marketing Services | $98 | 279% |
| Guardian | $98 | 279% |
| Health America | $98 | 279% |
| Healthez | $98 | 279% |
| Humana | $98 | 279% |
| Insight | $98 | 279% |
| Intercare | $98 | 279% |
| Jfp Benefit Management | $98 | 279% |
| Jp Farley Corporation | $98 | 279% |
| Key Benefit Administrator | $98 | 279% |
| Liberty Union Life Assurance Co | $98 | 279% |
| Lucent Health | $98 | 279% |
| Luminare Health | $98 | 279% |
| Luminare Health (Detroit) | $98 | 279% |
| Medben | $98 | 279% |
| Medcost | $98 | 279% |
| Medical Mutual | $98 | 279% |
| Mutual Health Services | $98 | 279% |
| Mutual Of Omaha | $98 | 279% |
| Ncas | $98 | 279% |
| Nippon Life Ins | $98 | 279% |
| Nova | $98 | 279% |
| Painters Union Insurance Fund | $98 | 279% |
| Physicians Mutual | $98 | 279% |
| Plumbers Local 98 Insurance Fund | $98 | 279% |
| Prairie States | $98 | 279% |
| Primary Physician Care | $98 | 279% |
| Professional Benefit Administrators | $98 | 279% |
| The Loomis Company | $98 | 279% |
| Unicare | $98 | 279% |
| Us Health And Life | $98 | 279% |
| Valenz | $98 | 279% |
| Western & Southern Financial Group | $98 | 279% |
| Wps | $98 | 279% |
| First Health | $102 | 291% |
| Barinet | $124 | 354% |
| Cmh Allegan County | $124 | 354% |
| Cmh Barry County | $124 | 354% |
| Cmh Berrien County | $124 | 354% |
| Cmh Cass County | $124 | 354% |
| Cmh Kalamazoo | $124 | 354% |
| Cmh Kent County | $124 | 354% |
| Cmh Misc | $124 | 354% |
| Cmh Muskegon County | $124 | 354% |
| Cmh North Country | $124 | 354% |
| Cmh Northern Lakes County | $124 | 354% |
| Cmh Ottawa County | $124 | 354% |
| Cmh Van Buren County | $124 | 354% |
| Cmh West Mi County | $124 | 354% |