CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Stillwater Medical Center

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $143
Cash Discount Price: $173
vs. Medicare Baseline: 4.92x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Stillwater Medical Center is $143. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $173. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 4.92x the Medicare baseline. Located in 1323 West 6Th Street, Stillwater, OK.

Cash / Self-Pay

$173

Average discount available for prompt cash payment at this facility.

Insurance Median

$143

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $173 (595%)

Insurance Median: $143 (492%)

Cash: $173 (595% of Medicare)

Ins. Median: $143 (492% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 492% of the Medicare baseline (a markup of 392%). 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
Healthchoice	$45	155%
Aetna	$108	372%
Blue Cross Blue Shield	$108	372%
Cigna	$110	379%
Community Care	$140	482%
Ebms (Employee Benefit Management Services Inc.)	$140	482%
UnitedHealthcare	$145	499%
Coventry	$162	557%
First Health	$184	633%
Osma Health	$190	654%
Multiplan	$194	668%
Preferred Community Choice	$194	668%

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 $173.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Stillwater Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97110.
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.