CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Penn State Health Lancaster Medical Center

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $33
Cash Discount Price: $60
vs. Medicare Baseline: 0.98x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Penn State Health Lancaster Medical Center is $33. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $60. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 0.98x the Medicare baseline. Located in 2160 State Road, Lancaster, PA.

Cash / Self-Pay

$60

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

$33.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $33.73 (100%)

Cash / Self-Pay: $60 (178%)

Insurance Median: $33 (98%)

Cash: $60 (178% of Medicare)

Ins. Median: $33 (98% 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.

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
[Amerihealth Caritas]	$28 - $32	83%
[Highmark Wholecare]	$28 - $32	83%
[Geisinger]	$29 - $138	86%
[Health Partners Plans]	$30 - $33	89%
[Pa Health & Wellness]	$30 - $33	89%
UnitedHealthcare	$32 - $130	95%
[Cbc]	$32 - $104	95%
[Highmark]	$32 - $98	95%
Aetna	$33 - $124	98%
Humana	$33	98%
[Healthspring]	$33	98%
[Upmc]	$33 - $153	98%
[Point Comfort Underwriters]	$40	119%
[Highmark Choice Blue]	$79	234%
[Highmark Aca]	$83	246%
Cigna	$127	377%
[First Health]	$166	492%
[Multiplan]	$166	492%

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 $60.
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 Penn State Health Lancaster Medical Center 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.