CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: St Joseph's University Medical Center Inc

Billing Code: 97530 (CPT)

The BaseRate · fair price medium confidence

A fair price for this

$64

about 1.8× the $35 Medicare rate · typically $36–$114

modeled estimate · not a bill or quote

What this hospital charges insurers

$39

Below the fair price — a good deal

about $25 under the fair price · 1.1× Medicare

Medicare pays $35 Fair price $64 This hospital $39 Cash price $274 Hospital's list price $274

How we calculate the fair BaseRate →

How this hospital compares to other NJ hospitals

A typical price — 0 charge more and 3 charge less, among the 9 NJ hospitals compared.

Cheapest $20 Priciest $39

Black dot = this hospital, among the 9 NJ hospitals with a price for this procedure. Full list below.

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Occupational therapy (therapeutic activities) is about $64 (about 1.8× the $35 Medicare rate). St Joseph's University Medical Center Inc charges insurers about $39, or about $274 in cash — below the fair price — a good deal. Located in Paterson, NJ.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna HumanaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$29 - $343	83%
Blue Cross Blue Shieldmajor	$37 - $239	106%
Aetnamajor	$30 - $80	86%
Cignamajor	$139 - $274	396%
Ambetter (Centene)	$39 - $59	111%
AmeriHealth	$39 - $174	111%
Clover Health	$39	111%
Fidelis Care	$29 - $55	83%
Health Net	$105 - $247	299%
MagnaCare	$192	547%
Oscar Health	$258	736%
+ 4 smaller / regional plans	$39 - $316

Excludes 2 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 274), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 97530.

Insurance Before you use insurance

Call your insurance company to confirm St Joseph's University Medical Center Inc is in-network.
Ask your insurer whether prior approval is required for CPT code 97530.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at St Joseph's University Medical Center Inc

Compare: Occupational therapy (therapeutic activities) at other NJ hospitals

Insurance negotiated median for the same procedure, sorted lowest first.