CMS Price Transparency Data

Occupational therapy (self-care training)

Facility: Preston Memorial Hospital

Billing Code: 97535 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97535
Insurance Median: $114
Cash Discount Price: $78
vs. Medicare Baseline: 3.52x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (self-care training) at Preston Memorial Hospital is $114. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $78. Compared to the federal Medicare reimbursement reference rate of $32.4, this hospital’s rate is 3.52x the Medicare baseline. Located in 150 Memorial Drive, Kingwood, WV.

Cash / Self-Pay

$78

Average discount available for prompt cash payment at this facility.

Insurance Median

$114

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: $78 (241%)

Insurance Median: $114 (352%)

Cash: $78 (241% of Medicare)

Ins. Median: $114 (352% 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 352% of the Medicare baseline (a markup of 252%). 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
Advantra	$93 - $94	287%
Aetna	$93 - $141	287%
Humana	$93 - $94	287%
Medicare (plans)	$93 - $127	287%
Uhc_Va	$93 - $94	287%
Upmc	$98	302%
Medicaid / KanCare	$101 - $107	312%
Unicare	$103	318%
Blue_Cross_Highmark_Aca	$113 - $114	349%
Blue_Cross_Highmark_Pos	$125 - $126	386%
Blue_Cross_Highmark_Ppo	$125 - $126	386%
Blue_Cross_Highmark_Traditional	$137 - $138	423%
UnitedHealthcare	$140 - $141	432%
Cigna	$143 - $144	441%
Geha	$147 - $148	454%
4_Most	$150 - $152	463%
Health	$150 - $152	463%

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 $78.
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 Preston Memorial Hospital 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.