CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Essentia Health Deer River

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $75
Cash Discount Price: $101
vs. Medicare Baseline: 2.58x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Essentia Health Deer River is $75. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $101. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 2.58x the Medicare baseline. Located in 115 10Th Avenue Northeast, Deer River, MN.

Cash / Self-Pay

$101

Average discount available for prompt cash payment at this facility.

Insurance Median

$75

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: $101 (348%)

Insurance Median: $75 (258%)

Cash: $101 (348% of Medicare)

Ins. Median: $75 (258% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 258% of the Medicare baseline (a markup of 158%). 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
Itasca Med Care	$29	100%
Blue Cross Blue Shield	$53 - $96	182%
Blue Plus Pmap Pcc Prime	$53 - $75	182%
Healthpartners Care Pmap	$55	189%
Advocare/Security Health	$59	203%
Freedom Blue Ppo	$59	203%
Healthpartners Care Msho / Mcr Adv	$59	203%
Imcare Msho Pcc Prime	$59	203%
Imcare Msho Ref Req	$59	203%
Medica Advantage Solutions	$59	203%
Medica Msho/Dual Solutions	$59	203%
Medica Prime Solution Group	$59	203%
Medicare (plans)	$59	203%
Healthpartners	$93 - $109	320%
America'S Ppo	$106	365%
Cigna	$107 - $109	368%
Healthpartners Pcc Prime	$107 - $109	368%
Aetna	$116	399%

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 $101.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Essentia Health Deer River is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97110.
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.