CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: UPMC Bedford Memorial

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $99
Cash Discount Price: $91
vs. Medicare Baseline: 3.06x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at UPMC Bedford Memorial is $99. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $91. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.06x the Medicare baseline. Located in 10455 Lincoln Highway, Everett, PA.

Cash / Self-Pay

$91

Average discount available for prompt cash payment at this facility.

Insurance Median

$99

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.4 (100%)

Cash / Self-Pay: $91 (281%)

Insurance Median: $99 (306%)

Cash: $91 (281% of Medicare)

Ins. Median: $99 (306% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.4 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 306% of the Medicare baseline (a markup of 206%). 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
Aetna	$38 - $102	117%
Upmc Work Partners	$42	130%
Cigna	$61 - $102	188%
Blue Cross Blue Shield	$71 - $87	219%
Highmark Wholecare (Prev Gateway)	$76	235%
Geisinger	$84	259%
Pa Health & Wellness	$84	259%
UnitedHealthcare	$84 - $102	259%
Upmc Health Plan	$85 - $103	262%
Intergroup	$99 - $137	306%
Coventry/First Health	$106	327%
Preferred Healthcare System	$122	377%
Health Coalition Partners	$137	423%
Humana	$137	423%
Private Health Care Systems	$137	423%
Selectcare	$137	423%

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 $91.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97535.

Insurance In-Network Protection Plan

Contact your insurance company to confirm UPMC Bedford Memorial is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97535.
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.