CMS Price Transparency Data

Physical therapy (functional capacity test)

Facility: Baylor Scott & White Medical Center - Temple

Billing Code: 97750 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97750
Insurance Median: $101
Cash Discount Price: $93
vs. Medicare Baseline: 2.99x Medicare

The contracted insurance negotiated median rate for a Physical therapy (functional capacity test) at Baylor Scott & White Medical Center - Temple is $101. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $93. Compared to the federal Medicare reimbursement reference rate of $33.73, this hospital’s rate is 2.99x the Medicare baseline. Located in 2401 S 31St St, Temple, TX.

Cash / Self-Pay

$93

Average discount available for prompt cash payment at this facility.

Insurance Median

$101

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: $93 (276%)

Insurance Median: $101 (299%)

Cash: $93 (276% of Medicare)

Ins. Median: $101 (299% 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 299% of the Medicare baseline (a markup of 199%). 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
Superior Health Plan	$23	68%
Texas Workforce Commission	$54	160%
Baylor Scott & White Health Plan	$56 - $66	166%
Aetna	$85	252%
Employers Health Network	$85	252%
Midcoast	$85	252%
Quiktrip	$85	252%
University Of Mary Hardin-Baylor	$90	267%
Independent Medical System	$93	276%
Imagine Health	$97	288%
UnitedHealthcare	$98 - $109	291%
Blue Cross Blue Shield	$101 - $123	299%
Curative	$101	299%
Humana	$101 - $109	299%
First Health	$109	323%
Healthsmart	$109 - $116	323%
Bluebell Creameries	$116	344%
Private Health Care System	$116	344%
Triwest	$116	344%
Three Rivers	$140	415%
Cigna	$149 - $185	442%

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 $93.
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 Baylor Scott & White Medical Center - Temple 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.