CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Lafayette Regional Health Center

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $108
Cash Discount Price: $250
vs. Medicare Baseline: 3.08x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Lafayette Regional Health Center is $108. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $250. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 3.08x the Medicare baseline. Located in 1500 State Street, Lexington, MO.

Cash / Self-Pay

$250

Average discount available for prompt cash payment at this facility.

Insurance Median

$108

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: $250 (713%)

Insurance Median: $108 (308%)

Cash: $250 (713% of Medicare)

Ins. Median: $108 (308% 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 308% of the Medicare baseline (a markup of 208%). 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
United	$28 - $113	80%
Healthyblue	$29	83%
Medicaid / KanCare	$29	83%
Aetna	$30 - $219	86%
Amerigroup	$30	86%
Home State Health Plan	$30	86%
Unicare	$30	86%
Ambetter / Centene	$47	134%
Nhc Advantage	$48	137%
Corvel Corporation	$53 - $213	151%
Oha Network	$54 - $125	154%
Universal Healthcare	$65	185%
Humana	$85 - $108	242%
Blue Cross Blue Shield	$95 - $250	271%
College Park Family Care Center	$108	308%
Oscar	$125	356%
Cigna	$143 - $179	408%
Wppa Providrs Care Network	$188	536%
Multiplan	$195	556%
Coventry	$200	570%
Coventry Kc Mo	$200	570%
Cco, Inc.	$213	607%
Focus Healthcare Mgmt, Inc	$225	642%

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 $250.
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 Lafayette Regional Health Center 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.