CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Highlands Cashiers Hospital

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $50
Cash Discount Price: $114
vs. Medicare Baseline: 1.72x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Highlands Cashiers Hospital is $50. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $114. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 1.72x the Medicare baseline. Located in 190 Hospital Drive, Highlands, NC.

Cash / Self-Pay

$114

Average discount available for prompt cash payment at this facility.

Insurance Median

$50

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $114 (392%)

Insurance Median: $50 (172%)

Cash: $114 (392% of Medicare)

Ins. Median: $50 (172% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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
Apex Health	$18 - $28	62%
Cigna	$30 - $61	103%
Blue Cross Blue Shield	$31 - $50	107%
United	$31 - $84	107%
Amerihealth	$32 - $49	110%
Partners Health Management	$32 - $49	110%
Vaya Health	$32 - $49	110%
Wellcare	$32 - $48	110%
Amerihealth Caritas	$34 - $52	117%
Caresource	$40 - $61	138%
Medcost	$42 - $78	145%
Aetna	$43 - $100	148%
Magellan	$54 - $83	186%
Magellan Behavioral Health	$54 - $83	186%
Multiplan	$72 - $111	248%
Avalon Administrative Services	$77 - $117	265%
Prime Health	$80 - $124	275%

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 $114.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Highlands Cashiers Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97110.
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.