CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Wellspan Chambersburg Hospital

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $150
Cash Discount Price: $155
vs. Medicare Baseline: 4.45x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Wellspan Chambersburg Hospital is $150. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $155. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 4.45x the Medicare baseline. Located in 112 North Seventh Street, Chambersburg, PA.

Cash / Self-Pay

$155

Average discount available for prompt cash payment at this facility.

Insurance Median

$150

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$33.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $33.73 (100%)

Cash / Self-Pay: $155 (460%)

Insurance Median: $150 (445%)

Cash: $155 (460% of Medicare)

Ins. Median: $150 (445% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $33.73 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 445% of the Medicare baseline (a markup of 345%). 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
Medicaid / KanCare	$50 - $57	148%
Upmc	$116 - $166	344%
Aetna	$130 - $148	385%
Wellspan_Capital_Blue_Cross	$139 - $140	412%
Geisinger	$143 - $144	424%
Cigna	$144 - $167	427%
United_Healthcare	$181 - $183	537%
First_Health_Network	$183 - $185	543%
Blue_Cross	$304 - $434	901%

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 $155.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97750.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Wellspan Chambersburg Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97750.
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.