CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Baptist Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $38
Cash Discount Price: $20
vs. Medicare Baseline: 1.37x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Baptist Hospital is $38. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $20. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 1.37x the Medicare baseline. Located in 123 Baptist Way, Pensacola, FL.

Cash / Self-Pay

$20

Average discount available for prompt cash payment at this facility.

Insurance Median

$38

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: $20 (72%)

Insurance Median: $38 (137%)

Cash: $20 (72% of Medicare)

Ins. Median: $38 (137% 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.

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
Aetna	$15 - $151	54%
Pensacola	$20	72%
Cha Health Plan	$23	83%
UnitedHealthcare	$23 - $234	83%
Fl Community Care Ltc	$24	87%
Humana	$24 - $36	87%
Mh Sunshine Mcaid	$24	87%
Staywell	$24	87%
Sunshine Health	$24	87%
Simply Healthcare Healthy Kids	$26	94%
Uwf Athletes	$31 - $85	112%
Hospice Covenant	$35	126%
Medicare (plans)	$35	126%
Healthspring Of Fl Al	$36	130%
Mh Wellcare	$37	133%
Wellcare	$37	133%
Hospice Regency	$39	141%
Fl Blue	$53 - $335	191%
Cigna	$62 - $131	224%
Hospice Emerald Coast	$66	238%
Escambia	$79	285%
Private Healthcare	$85	307%
First Health	$91	328%
Wc Corvel	$93 - $124	335%
Choicecare	$98	354%
Mh Choicecare	$98	354%
Multiplan	$117	422%
Bc Fl	$244	880%

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 $20.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97140.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Baptist Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97140.
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.