CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Arnot Ogden Medical Center

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $99
Cash Discount Price: $145
vs. Medicare Baseline: 2.82x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Arnot Ogden Medical Center is $99. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $145. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 2.82x the Medicare baseline. Located in 600 Roe Avenue, Elmira, NY.

Cash / Self-Pay

$145

Average discount available for prompt cash payment at this facility.

Insurance Median

$99

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: $145 (413%)

Insurance Median: $99 (282%)

Cash: $145 (413% of Medicare)

Ins. Median: $99 (282% 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 282% of the Medicare baseline (a markup of 182%). 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
Fidelis	$4 - $50	11%
Empire	$16	46%
Aetna	$31 - $119	88%
Blue Cross Blue Shield	$31 - $481	88%
Amerihealth Mcr Adv - All Plans	$34	97%
Humana	$34 - $143	97%
Tricare	$34	97%
Geisinger	$46 - $89	131%
Fidelis Care-Exchange - All Plans	$80 - $87	228%
Geisinger - All Plans	$85 - $92	242%
Cigna	$91 - $99	259%
Mvp Health Plan - All Plans	$91 - $99	259%
Independent Health - All Plans	$94 - $103	268%
UnitedHealthcare	$100 - $110	285%
Upmc Health Plan - All Plans	$100 - $109	285%
Pomco Inc - All Plans	$105 - $114	299%
Emblem Health - All Plans	$128 - $139	365%
Emblem/Ghi	$134	382%
Martins Point Mcr Adv - All Plans	$145 - $159	413%
Healthnow - All Plans	$438 - $478	1249%

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 $145.
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 Arnot Ogden 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.