CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Medical Center of the Rockies

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)
  • CPT Billing Code: 97140
  • Insurance Median: $74
  • Cash Discount Price: $81
  • vs. Medicare Baseline: 2.67x Medicare
The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Medical Center of the Rockies is $74. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $81. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 2.67x the Medicare baseline. Located in 2500 Rocky Mountain Ave, Loveland, CO.
Cash / Self-Pay
$81

Average discount available for prompt cash payment at this facility.

Insurance Median
$74

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate
$27.72

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $27.72 (100%)
Cash / Self-Pay: $81 (292%)
Insurance Median: $74 (267%)
Cash: $81 (292% of Medicare)
Ins. Median: $74 (267% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $27.72 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 267% of the Medicare baseline (a markup of 167%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash 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
Aetna $28 - $95 101%
Blue Cross Blue Shield $28 - $118 101%
Cigna $28 - $215 101%
Cms $28 101%
Devoted Health $28 101%
Humana $28 101%
Kaiser $28 101%
Select Health $28 - $68 101%
UnitedHealthcare $28 - $95 101%
Simplified Benefits Administration $43 - $94 155%
First Health $68 245%
Denver Health Medical Plan $90 325%
Midlands Choice $104 375%
Rocky Mountain Health Plans $104 375%
Multiplan $105 379%
Phcs $105 379%
First Choice Of The Midwest $112 404%

Self-Pay Upfront Cash Action Plan

Insurance In-Network Protection Plan

Facility Profile & Credentials

  • Address: 2500 Rocky Mountain Ave, Loveland, CO 80538
  • CMS Rating: ★★★★★
  • Ownership Type: Voluntary non-profit - Private
  • Hospital Type: Acute Care Hospitals