CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Palisades Medical Center

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $139
Cash Discount Price: $43
vs. Medicare Baseline: 4.12x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Palisades Medical Center is $139. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $43. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 4.12x the Medicare baseline. Located in 7600 River Rd, North Bergen, NJ.

Cash / Self-Pay

$43

Average discount available for prompt cash payment at this facility.

Insurance Median

$139

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: $43 (127%)

Insurance Median: $139 (412%)

Cash: $43 (127% of Medicare)

Ins. Median: $139 (412% 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 412% of the Medicare baseline (a markup of 312%). 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
Horizon	$26 - $160	77%
Aetna	$32 - $116	95%
Seoul Medical Group	$32	95%
Clover	$33	98%
Wellcare	$43 - $224	127%
UnitedHealthcare	$43 - $725	127%
Amerigroup	$43	127%
Vaccn	$43	127%
Blue Cross Blue Shield	$43	127%
United Community/Americhoice	$45	133%
Karna	$59	175%
Activecare First McO	$148	439%
Amerihealth	$155 - $173	460%
Multiplan - PHCS	$157	465%
Brighton Health Plan	$166	492%
Qualcare	$171	507%
Cigna	$177	525%
Bergen Risk	$291	863%
Oxford	$558	1654%

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 $43.
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 Palisades Medical Center 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.