CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Saratoga Hospital

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $47
Cash Discount Price: $26
vs. Medicare Baseline: 1.34x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Saratoga Hospital is $47. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $26. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 1.34x the Medicare baseline. Located in 211 Church Street, Saratoga Springs, NY.

Cash / Self-Pay

$26

Average discount available for prompt cash payment at this facility.

Insurance Median

$47

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: $26 (74%)

Insurance Median: $47 (134%)

Cash: $26 (74% of Medicare)

Ins. Median: $47 (134% 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.

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	$9 - $206	26%
Blue Cross Blue Shield	$25 - $181	71%
Emblem	$31 - $50	88%
Empire Plan Nyship	$31 - $36	88%
Mvp Commercial	$36 - $215	103%
Multiplan	$39 - $44	111%
UnitedHealthcare	$44 - $98	125%
Cdphp	$45 - $220	128%
Fidelis	$45 - $220	128%
Magnacare	$47 - $49	134%
Hamaspik	$61 - $229	174%
Blue Shield	$88 - $256	251%
Mvp Essential Plan	$98 - $195	279%
Mvp Govt Programs	$98	279%

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 $26.
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 Saratoga Hospital 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.