CMS Price Transparency Data

Physical therapy (gait training)

Facility: St Francis Hospital

Billing Code: 97116 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97116
Insurance Median: $129
Cash Discount Price: $116
vs. Medicare Baseline: 4.44x Medicare

The contracted insurance negotiated median rate for a Physical therapy (gait training) at St Francis Hospital is $129. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $116. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 4.44x the Medicare baseline. Located in 1215 Franciscan Dr, Litchfield, IL.

Cash / Self-Pay

$116

Average discount available for prompt cash payment at this facility.

Insurance Median

$129

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $116 (399%)

Insurance Median: $129 (444%)

Cash: $116 (399% of Medicare)

Ins. Median: $129 (444% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 444% of the Medicare baseline (a markup of 344%). 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
Blue Cross Blue Shield	$34 - $37	117%
Humana	$34	117%
Clear Spring Health of Illinois	$34	117%
UnitedHealthcare	$35 - $161	120%
Aetna	$35 - $113	120%
Molina Healthcare	$36 - $39	124%
Wexford	$38	131%
Meridian Health Plan	$41	141%
Amish Community	$45	155%
Celtic Insurance Company	$81	279%
Claim Doc	$85	292%
Hopetrust	$93	320%
Wellfirst	$104	358%
First Health	$119	409%
Caterpillar, Inc.	$129	444%
Current Health Solutions	$135	465%
Multiplan/Phcs	$137	471%
Consociate Group	$137	471%
Healthlink	$137	471%
Healthcare Finest Network (Hfn)	$145	499%
Provider Network of America	$145	499%
Naphcare	$161	554%
Healthscope	$161	554%
Illinois Breast and Cervical Cancer Program	$161	554%
Health Alliance Medical Plans	$161	554%
Interplan	$161	554%
Cigna	$161	554%
Live360	$161	554%

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 $116.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97116.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Francis Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97116.
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.