CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: University of Michigan Health - West

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $94
Cash Discount Price: $52
vs. Medicare Baseline: 2.90x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at University of Michigan Health - West is $94. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $52. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 2.90x the Medicare baseline. Located in 5900 Byron Center Avenue, Sw, Wyoming, MI.

Cash / Self-Pay

$52

Average discount available for prompt cash payment at this facility.

Insurance Median

$94

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: $52 (160%)

Insurance Median: $94 (290%)

Cash: $52 (160% of Medicare)

Ins. Median: $94 (290% 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 290% of the Medicare baseline (a markup of 190%). 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
Web Tpa	$34 - $77	105%
Priority Health	$50	154%
Aetna	$52 - $117	160%
Alliance Health & Life Ppo	$52 - $117	160%
Asr Physicians	$52 - $117	160%
Hap	$52 - $117	160%
Golden Rule Ins	$56 - $126	173%
Medica	$56 - $126	173%
Student Ins/Mega Life	$56 - $126	173%
UnitedHealthcare	$56 - $126	173%
Humana	$59 - $131	182%
Asr Cofinity	$65 - $146	201%
Cofinity Commercial	$65 - $146	201%
Cofinity Weyco	$65 - $146	201%
Core Source	$65 - $146	201%
Epoch Group	$65 - $146	201%
Health Partners	$65 - $146	201%
Hlthcomp Admin	$65 - $146	201%
Mid America	$65 - $146	201%

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 $52.
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 University of Michigan Health - West 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.