CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Unitypoint Health - Meriter

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $77
Cash Discount Price: $186
vs. Medicare Baseline: 2.38x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Unitypoint Health - Meriter is $77. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $186. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 2.38x the Medicare baseline. Located in 202 S Park St, Madison, WI.

Cash / Self-Pay

$186

Average discount available for prompt cash payment at this facility.

Insurance Median

$77

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: $186 (574%)

Insurance Median: $77 (238%)

Cash: $186 (574% of Medicare)

Ins. Median: $77 (238% 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 238% of the Medicare baseline (a markup of 138%). 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
Aspirus	$31 - $139	96%
Blue Cross Blue Shield	$31 - $381	96%
Humana	$31 - $33	96%
Illinicare	$31	96%
Meridiancare	$31 - $33	96%
Prevea 360	$31 - $197	96%
UnitedHealthcare	$31 - $248	96%
Health Partners Open Network	$43 - $85	133%
Cigna	$70	216%
Quartz	$72	222%
Security Health Plan	$72	222%
Mercy Care	$77	238%
Medical Associates Health Plan	$84 - $133	259%
Wellmark Uph Self-Funded	$93 - $381	287%

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 $186.
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 Unitypoint Health - Meriter 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.