CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: PAM Rehabilitation Hospital of Fargo

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $43
Cash Discount Price: $86
vs. Medicare Baseline: 1.33x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at PAM Rehabilitation Hospital of Fargo is $43. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $86. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 1.33x the Medicare baseline. Located in 4671 38Th St S, Fargo, ND.

Cash / Self-Pay

$86

Average discount available for prompt cash payment at this facility.

Insurance Median

$43

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: $86 (265%)

Insurance Median: $43 (133%)

Cash: $86 (265% of Medicare)

Ins. Median: $43 (133% 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.

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
Medica	$12 - $49	37%
Blue Cross Blue Shield	$24 - $35	74%
Primewest Minnesota	$24	74%
Ucare Of Minnesota	$24	74%
Sanford Health Plan	$26 - $53	80%
Cigna	$34 - $124	105%
Aetna	$35	108%
Ilumed Aco Reach	$36 - $75	111%
Americas Choice Provider Network	$39 - $80	120%
Provider Network Of America	$42 - $86	130%
Quik Trip	$42 - $86	130%
Usa Managed Care Organization	$42 - $86	130%
Velocity Provider Ppo Network	$42 - $86	130%
Multiplan/Phcs	$45 - $92	139%
Prime Health Services	$48 - $98	148%
UnitedHealthcare	$95	293%

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 $86.
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 PAM Rehabilitation Hospital of Fargo 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.