CMS Price Transparency Data

Psychological testing by technician

Facility: Oswego Hospital

Billing Code: 96138 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 96138
Insurance Median: $509
Cash Discount Price: $428
vs. Medicare Baseline: 1.12x Medicare

The contracted insurance negotiated median rate for a Psychological testing by technician at Oswego Hospital is $509. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $428. Compared to the federal Medicare reimbursement reference rate of $456.4, this hospital’s rate is 1.12x the Medicare baseline. Located in 110 West Sixth Street, Oswego, NY.

Cash / Self-Pay

$428

Average discount available for prompt cash payment at this facility.

Insurance Median

$509

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$456.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $456.4 (100%)

Cash / Self-Pay: $428 (94%)

Insurance Median: $509 (112%)

Cash: $428 (94% of Medicare)

Ins. Median: $509 (112% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $456.4 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.

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
Aetna	$509	112%
Capital District Physicians Healthcare	$509	112%
Excellus Health Plan	$509 - $1,543	112%
Fedelis Care Ny	$509	112%
Humana	$509	112%
UnitedHealthcare	$509	112%
Wellcare Todays Option	$544	119%
Nascentia	$560	123%

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 $428.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 96138.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Oswego Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 96138.
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.