CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Fairview Bethesda Hospital

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $112
Cash Discount Price: $76
vs. Medicare Baseline: 3.46x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Fairview Bethesda Hospital is $112. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $76. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.46x the Medicare baseline. Located in 45 10Th St W, Saint Paul, MN.

Cash / Self-Pay

$76

Average discount available for prompt cash payment at this facility.

Insurance Median

$112

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: $76 (235%)

Insurance Median: $112 (346%)

Cash: $76 (235% of Medicare)

Ins. Median: $112 (346% 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 346% of the Medicare baseline (a markup of 246%). 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 Medical Care	$24 - $32	74%
Primewest	$24 - $32	74%
South Country Health Alliance	$24 - $32	74%
Medica	$25 - $147	77%
Blue Cross Blue Shield	$26 - $120	80%
Health Partners	$26 - $159	80%
Hennepin Health	$26 - $29	80%
Ucare	$26 - $88	80%
Sanford Health Plan	$32 - $120	99%
Security Health Plan	$32 - $153	99%
UnitedHealthcare	$32 - $116	99%
Wellcare	$32	99%
America'S Ppo	$89 - $147	275%
First Health	$139 - $167	429%
Multiplan	$144 - $173	444%
Private Healthcare Systems	$144 - $173	444%
Wisconsin Physician Services	$153 - $184	472%

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 $76.
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 Fairview Bethesda 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.