CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Helen Newberry Joy Hospital

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $109
Cash Discount Price: $72
vs. Medicare Baseline: 3.36x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Helen Newberry Joy Hospital is $109. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $72. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.36x the Medicare baseline. Located in 502 W Harrie St, Newberry, MI.

Cash / Self-Pay

$72

Average discount available for prompt cash payment at this facility.

Insurance Median

$109

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: $72 (222%)

Insurance Median: $109 (336%)

Cash: $72 (222% of Medicare)

Ins. Median: $109 (336% 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 336% of the Medicare baseline (a markup of 236%). 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
Aetna	$46 - $109	142%
Blue Cross Blue Shield	$46 - $114	142%
Humana	$46	142%
Mi Health Link - All Plans	$46	142%
Va - All Plans	$47	145%
Uphp Mcaid - All Plans	$54	167%
Mi Wc - All Plans	$74	228%
Uphg Tpa - All Plans	$104	321%
First Health - All Plans	$109	336%
Ppom/Cofinity - All Plans	$109	336%
Cigna	$112	346%
Health Alliance - All Plans	$112	346%
Healtheos - All Plans	$112	346%
Priority Health - All Plans	$112	346%
UnitedHealthcare	$112	346%
Vital Core - All Plans	$112	346%

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 $72.
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 Helen Newberry Joy Hospital 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.