CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Univ. of Vermont - Fletcher Allen Health Care

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $79
Cash Discount Price: $106
vs. Medicare Baseline: 2.44x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Univ. of Vermont - Fletcher Allen Health Care is $79. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $106. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 2.44x the Medicare baseline. Located in 111 Colchester Ave, Burlington, VT.

Cash / Self-Pay

$106

Average discount available for prompt cash payment at this facility.

Insurance Median

$79

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$32.4

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $32.4 (100%)

Cash / Self-Pay: $106 (327%)

Insurance Median: $79 (244%)

Cash: $106 (327% of Medicare)

Ins. Median: $79 (244% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $32.4 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 244% of the Medicare baseline (a markup of 144%). 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	$16 - $148	49%
Mvp	$27 - $121	83%
Blue Cross Blue Shield	$30 - $121	93%
Humana	$30 - $32	93%
Aetna	$32 - $49	99%
Capital District Physicians' Health Plan	$32 - $79	99%
Martins Point	$32	99%
St. Regis	$32	99%
Veterans Affairs Community Care Network	$32	99%
Fidelis Care	$37 - $97	114%
Wellpath	$44 - $73	136%
Harvard Pilgrim	$85 - $106	262%
Magnacare	$85 - $106	262%
Coventry	$90 - $113	278%
Ebpa	$91 - $102	281%
Cigna	$95 - $121	293%
Nppn	$95 - $120	293%

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 $106.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97535.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Univ. of Vermont - Fletcher Allen Health Care is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97535.
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.