CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Palisades Medical Center

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $173
Cash Discount Price: $37
vs. Medicare Baseline: 5.95x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Palisades Medical Center is $173. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $37. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 5.95x the Medicare baseline. Located in 7600 River Rd, North Bergen, NJ.

Cash / Self-Pay

$37

Average discount available for prompt cash payment at this facility.

Insurance Median

$173

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $37 (127%)

Insurance Median: $173 (595%)

Cash: $37 (127% of Medicare)

Ins. Median: $173 (595% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 595% of the Medicare baseline (a markup of 495%). 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	$12 - $200	41%
Blue Cross Blue Shield	$37	127%
Amerigroup	$37	127%
Wellcare	$37 - $224	127%
UnitedHealthcare	$37 - $725	127%
Vaccn	$37	127%
United Community/Americhoice	$39	134%
Aetna	$40 - $171	138%
Seoul Medical Group	$40	138%
Clover	$42	145%
Karna	$50	172%
Activecare First McO	$185	637%
Amerihealth	$193 - $216	664%
Multiplan - PHCS	$196	674%
Qualcare	$214	736%
Cigna	$221	760%
Bergen Risk	$291	1001%
Brighton Health Plan	$355	1222%
Oxford	$558	1920%

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 $37.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97110.

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 97110.
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.