CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Mercy Hospital Lincoln

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $103
Cash Discount Price: $89
vs. Medicare Baseline: 2.94x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Mercy Hospital Lincoln is $103. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $89. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 2.94x the Medicare baseline. Located in 1000 East Cherry Street, Troy, MO.

Cash / Self-Pay

$89

Average discount available for prompt cash payment at this facility.

Insurance Median

$103

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: $89 (254%)

Insurance Median: $103 (294%)

Cash: $89 (254% of Medicare)

Ins. Median: $103 (294% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 294% of the Medicare baseline (a markup of 194%). 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
Medicaid / KanCare	$9 - $63	26%
Aetna	$21 - $90	60%
Tricare	$29	83%
Medicare (plans)	$30 - $137	86%
UnitedHealthcare	$30 - $90	86%
American Health Advantage Of Mo Mcr [10473]	$32	91%
Blue Cross Blue Shield	$32 - $202	91%
Cherokee Nation Health Serv Contracted [320066]	$32	91%
Cross Timbers Hospice [20098]	$32	91%
Dept Of Veteran Affairs Contracted [320106]	$32	91%
Elara Caring Aspire Hospice Contracted [320433]	$32	91%
Elara Caring Aspire Hospice [20433]	$32	91%
Globalhealth Contracted [320145]	$32	91%
Halo Hcr Inc Hospice Contracted [320432]	$32	91%
Halo Hcr Inc Hospice [20432]	$32	91%
Humana	$32 - $123	91%
Indian Health Service Contracted [320198]	$32	91%
Kindful Hospice Contracted [320434]	$32	91%
Kindful Hospice [20434]	$32	91%
Mercy Hospice Okc [20252]	$32	91%
Pace Of The Ozarks Contracted [320518]	$32	91%
Provider Partners Health Plans Contracted [320450]	$32	91%
Qual Choice Contracted [320325]	$32	91%
Cigna	$34 - $114	97%
Centivo Contracted [320505]	$50	143%
Medica Contracted [320239]	$58	165%
Ambetter / Centene	$63	180%
Home State Health Plan Contracted [320187]	$63	180%
Novasys Contracted [320285]	$63	180%
Hope Trust Contracted [320488]	$68	194%
Health Choices Contracted [320448]	$82	234%
Health Choices [20448]	$82	234%
Medical Associates Health Contracted [320444]	$82	234%
First Health Contracted [320128]	$90 - $103	257%
United Medical Resources Contracted [320454]	$90	257%
Mercy Mgd Behavioral Health Contracted [320259]	$103	294%
Multiplan Contracted [320270]	$103	294%
Private Health Care Systems Contracted [320320]	$103	294%
Workers Comp [20426]	$103 - $110	294%
Healthlink Contracted [320179]	$111 - $122	317%
Aither Health Contracted [320449]	$116	331%
Aither Health [20449]	$116	331%
Auxiant Contracted [320462]	$116	331%
Ebms Contracted [320493]	$116	331%
Edison Health Solutions Contracted [320502]	$116	331%
Federal Medical Center Contracted [320127]	$116	331%
Imagine 360 Contracted [320494]	$116	331%
Insurance System Inc Contracted [320465]	$116	331%
Mercy Benefit Admin Contracted [320251]	$116	331%
Mercy Benefit Admin [20251]	$116	331%
Point C Contracted [320238]	$116	331%
Preferred Health Plan Contracted [320522]	$116	331%
Reflect Health Contracted [320492]	$116	331%
Show-Me Health Administrators Contracted [320483]	$116	331%
Tri State Healthcare Coalition Contracted [320379]	$116	331%
Yuzu Health Contracted [320521]	$116	331%

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 $89.
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 Mercy Hospital Lincoln 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.