CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Cheshire Medical Center

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $82
Cash Discount Price: $55
vs. Medicare Baseline: 2.34x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Cheshire Medical Center is $82. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $55. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 2.34x the Medicare baseline. Located in 580 Court Street, Keene, NH.

Cash / Self-Pay

$55

Average discount available for prompt cash payment at this facility.

Insurance Median

$82

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: $55 (157%)

Insurance Median: $82 (234%)

Cash: $55 (157% of Medicare)

Ins. Median: $82 (234% 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 234% of the Medicare baseline (a markup of 134%). 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
Amerihealth Caritas Nh	$24 - $25	68%
Granite State Health Plan	$25 - $33	71%
Wellsense Health Plan	$25 - $40	71%
Aetna	$35 - $135	100%
Ambetter / Centene	$35 - $40	100%
Blue Cross Blue Shield	$35 - $157	100%
Cigna	$35 - $98	100%
Martin'S Point Generations Advantage	$35 - $40	100%
Mvp	$35 - $98	100%
UnitedHealthcare	$35 - $150	100%
Wellcare Health Plans	$35 - $40	100%
Martin'S Point Health Care	$37 - $40	106%
Mass General Brigham Health Plan	$37 - $198	106%
Harvard Pilgrim Health Care Of Ne	$42 - $90	120%
Maine Community Health Options	$89	254%
Tufts Health Plan	$110 - $126	314%
First Health/Hcvm	$168	479%
Phcs	$178	508%

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 $55.
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 Cheshire Medical Center 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.