CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Perham Health

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $61
Cash Discount Price: $109
vs. Medicare Baseline: 1.74x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Perham Health is $61. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $109. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 1.74x the Medicare baseline. Located in 1000 Coney Street West, Perham, MN.

Cash / Self-Pay

$109

Average discount available for prompt cash payment at this facility.

Insurance Median

$61

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: $109 (311%)

Insurance Median: $61 (174%)

Cash: $109 (311% of Medicare)

Ins. Median: $61 (174% 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.

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
Blue Cross Blue Shield	$57 - $121	163%
Health Partners Mcr Adv	$57	163%
Humana	$57	163%
Medica Mcr Adv	$57	163%
Medicare (plans)	$57 - $63	163%
Ucare Mn Senior Health Options	$57	163%
UnitedHealthcare	$58 - $130	165%
Medicaid / KanCare	$60	171%
Ucare Mn Medical Assistance	$60	171%
Ucare Mn Minnesota Care	$60	171%
Ucare Mn Senior Care Plus	$60	171%
Ucare Mn Special Needs Basic Care	$60	171%
Ucare Mn Special Needs Basic Care Dual	$60	171%
Medica Mcaid Mn Care	$61	174%
Medica Mn (Msho)	$69	197%
Ucare Individual And Family Plan-All Other Plans	$69	197%
Medica Mn Senior Hp/Outside Mn	$76	217%
Health Partners Minnesota Care	$84	240%
Medica Commercial-All Other Plans	$122	348%
Preferred One (Pchp, Pic, Pas)-All Other Plans	$125	356%
Health Partners-All Plans	$137	391%
Preferred One (Ppo)	$142	405%
Sanford Health Plan-All Plans	$142	405%

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 $109.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Perham Health is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
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.