CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Phelps Memorial Health Center

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $110
Cash Discount Price: $123
vs. Medicare Baseline: 3.40x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Phelps Memorial Health Center is $110. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $123. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.40x the Medicare baseline. Located in 1215 Tibbals St, Holdrege, NE.

Cash / Self-Pay

$123

Average discount available for prompt cash payment at this facility.

Insurance Median

$110

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: $123 (380%)

Insurance Median: $110 (340%)

Cash: $123 (380% of Medicare)

Ins. Median: $110 (340% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 340% of the Medicare baseline (a markup of 240%). 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
UnitedHealthcare	$56 - $133	173%
Aetna	$59 - $126	182%
Blue Cross Blue Shield	$59 - $130	182%
Good Samaritan Mcr Adv - All Plans	$59	182%
Medica Mcr Adv	$59	182%
Va Ccn - All Plans	$59	182%
Wellcare Mcr Adv - All Plans	$59	182%
Molina Mcaid - All Plans	$60	185%
Three Rivers - All Plans	$71	219%
6 Degrees Hlth - All Plans	$110	340%
Partners Hlth Alliance - All Plans	$110	340%
Cpi Benefit Group-All Plans	$123	380%
Providrs Care/Wppa - All Plans	$123	380%
Provider Network Of American - All Plans	$127	392%
Medica-All Other Plans	$129	398%
Chi Health Partners - All Plans	$130	401%
First Health - All Plans	$130	401%
Midwest Ntwrk Alliance - All Plans	$130	401%
Ambetter / Centene	$153	472%

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 $123.
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 Phelps Memorial Health Center 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.