CMS Price Transparency Data

Physical therapy (neuromuscular re-education)

Facility: St Lukes Hospital

Billing Code: 97112 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97112
Insurance Median: $95
Cash Discount Price: $303
vs. Medicare Baseline: 2.90x Medicare

The contracted insurance negotiated median rate for a Physical therapy (neuromuscular re-education) at St Lukes Hospital is $95. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $303. Compared to the federal Medicare reimbursement reference rate of $32.73, this hospital’s rate is 2.90x the Medicare baseline. Located in 801 Ostrum Street, Bethlehem, PA.

Cash / Self-Pay

$303

Average discount available for prompt cash payment at this facility.

Insurance Median

$95

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.73 (100%)

Cash / Self-Pay: $303 (926%)

Insurance Median: $95 (290%)

Cash: $303 (926% of Medicare)

Ins. Median: $95 (290% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.73 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 290% of the Medicare baseline (a markup of 190%). 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
Keystone First	$17	52%
Amerihealth Caritas	$20	61%
Geisinger	$20 - $103	61%
Highmark Wholecare	$20	61%
Upmc Health Plan	$20 - $100	61%
Aetna	$23 - $127	70%
Jefferson Health Plan	$24	73%
Blue Cross Blue Shield	$35 - $347	107%
Oscar	$95	290%
Cigna	$100	306%
UnitedHealthcare	$105	321%
Highmark	$2,663	8136%

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 $303.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97112.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Lukes Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97112.
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.