CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: UPMC Bedford Memorial

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $81
Cash Discount Price: $75
vs. Medicare Baseline: 2.79x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at UPMC Bedford Memorial is $81. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $75. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 2.79x the Medicare baseline. Located in 10455 Lincoln Highway, Everett, PA.

Cash / Self-Pay

$75

Average discount available for prompt cash payment at this facility.

Insurance Median

$81

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: $75 (258%)

Insurance Median: $81 (279%)

Cash: $75 (258% of Medicare)

Ins. Median: $81 (279% 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 279% of the Medicare baseline (a markup of 179%). 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
UnitedHealthcare	$9 - $84	31%
Upmc Health Plan	$9 - $106	31%
Aetna	$10 - $84	34%
Geisinger	$12	41%
Highmark Wholecare (Prev Gateway)	$12 - $62	41%
Amerihealth Caritas	$13	45%
Health Partners Plans (Jefferson Health Plan)	$13	45%
Pa Health & Wellness	$14	48%
Upmc Work Partners	$43	148%
Cigna	$50 - $84	172%
Blue Cross Blue Shield	$71 - $87	244%
Intergroup	$81 - $112	279%
Coventry/First Health	$88	303%
Preferred Healthcare System	$100	344%
Health Coalition Partners	$112	385%
Humana	$112	385%
Private Health Care Systems	$112	385%
Selectcare	$112	385%

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 $75.
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 UPMC Bedford Memorial 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.