CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: Punxsutawney Area Hospital

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $33
Cash Discount Price: $32
vs. Medicare Baseline: 0.94x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at Punxsutawney Area Hospital is $33. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $32. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 0.94x the Medicare baseline. Located in 81 Hillcrest Drive, Punxsutawney, PA.

Cash / Self-Pay

$32

Average discount available for prompt cash payment at this facility.

Insurance Median

$33

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$35.07

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $35.07 (100%)

Cash / Self-Pay: $32 (91%)

Insurance Median: $33 (94%)

Cash: $32 (91% of Medicare)

Ins. Median: $33 (94% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $35.07 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.

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
Upmc Health Plan	$13 - $63	37%
UnitedHealthcare	$14 - $74	40%
Highmark Wholecare	$20 - $33	57%
Highmark	$29 - $89	83%
Tricare	$30	86%
Aetna	$33 - $74	94%
Amerihealth Caritas	$33	94%
Humana	$33	94%
United Mine Workers Of America	$33	94%
Ambetter / Centene	$34 - $35	97%
Geisinger Health Plan	$34	97%
Cigna	$35 - $50	100%
Pa Health And Wellness Commercial	$42 - $67	120%
Geisinger	$47	134%
Pa Workers Compensation	$84	240%

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 $32.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Punxsutawney Area Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
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.