CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Memorial Hospital Biloxi

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $175
Cash Discount Price: $293
vs. Medicare Baseline: 4.99x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Memorial Hospital Biloxi is $175. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $293. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 4.99x the Medicare baseline. Located in 150 Reynoir Street, Biloxi, MS.

Cash / Self-Pay

$293

Average discount available for prompt cash payment at this facility.

Insurance Median

$175

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: $293 (835%)

Insurance Median: $175 (499%)

Cash: $293 (835% of Medicare)

Ins. Median: $175 (499% 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 499% of the Medicare baseline (a markup of 399%). 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
Magnolia Health	$30 - $52	86%
Molina	$30 - $807	86%
UnitedHealthcare	$30 - $175	86%
Cigna	$34 - $293	97%
Sas Mhg	$63 - $255	180%
Devoted Health	$125	356%
Fox Everett	$167	476%
Sas Non-Mhg	$167	476%
Aetna	$209	596%
First Choice	$209 - $301	596%
Mhg	$209	596%
First Health	$301	858%
Humana	$301	858%
Mpcn	$314	895%

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 $293.
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 Memorial Hospital Biloxi 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.