CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Harlan County Health System

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $109
Cash Discount Price: $96
vs. Medicare Baseline: 3.23x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Harlan County Health System is $109. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $96. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 3.23x the Medicare baseline. Located in 717 Brown St, Alma, NE.

Cash / Self-Pay

$96

Average discount available for prompt cash payment at this facility.

Insurance Median

$109

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$33.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $33.73 (100%)

Cash / Self-Pay: $96 (285%)

Insurance Median: $109 (323%)

Cash: $96 (285% of Medicare)

Ins. Median: $109 (323% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $33.73 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 323% of the Medicare baseline (a markup of 223%). 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
Medica Mcr Adv	$65	193%
Medica Prime Solution	$65	193%
Humana	$80	237%
Tricare	$80	237%
Aetna	$84	249%
Great Plains Mcr Adv-All Plans	$84	249%
Medica Chi Aco - All Other Plans	$109	323%
Medica Chi Health	$109	323%
Medica Choice	$109	323%
Blue Cross Blue Shield	$114 - $115	338%
Ohara Llc Wc- All Plans	$114	338%
Medica Ifb Aco	$115	341%
Medica Ifb Open Access	$115	341%
UnitedHealthcare	$115	341%
Phcs/Multiplan-All Plans	$118	350%

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 $96.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97750.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Harlan County Health System is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97750.
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.