CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Saratoga Hospital

Billing Code: 97530 (CPT)

The BaseRate · fair price medium confidence

A fair price for this

$65

about 1.9× the $35 Medicare rate · typically $31–$134

modeled estimate · not a bill or quote

Medicare pays $35 Fair price $65 Cash price $26 Hospital's list price $52

How we calculate the fair BaseRate →

What each insurance company pays

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

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

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna CignaHumanaKaiser 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	$44 - $98	125%
Blue Cross Blue Shieldmajor	$25 - $256	71%
Aetnamajor	$9 - $206	26%
CDPHP	$45 - $220	128%
Fidelis Care	$45 - $220	128%
MagnaCare	$47 - $49	134%
MVP Health Care	$36 - $215	103%
+ 3 smaller / regional plans	$31 - $229

Excludes 1 rental-network / third-party entry (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 26), 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 Saratoga Hospital 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 Saratoga Hospital

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

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