Physical therapy (manual therapy)
Facility: Mercyone Waterloo Medical Center
Billing Code: 97140 (CPT)
This hospital's typical commercial price is $26 compared to the $33 fair price benchmark.
4-Star CMS clinical quality rating paired with 0.79× fair market pricing.
Lowest price of the 9 IA hospitals we have prices for — a strong deal.
Black dot = this hospital, among the 9 IA hospitals with a price for this procedure. Full list below.
A fair price for a Physical therapy (manual therapy) is about $33 (about 1.2× the $28 Medicare rate). Mercyone Waterloo Medical Center charges insurers about $26, or about $78 in cash — below the fair price — a good deal. Located in Waterloo, IA.
What each insurance company pays
Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.
6 of 6 major insurers have a published price at this hospital
Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.
| Insurance company | Price range | vs. Medicare |
|---|---|---|
| UnitedHealthcaremajor | $25 - $231 | 90% |
| Blue Cross Blue Shieldmajor | $25 - $41 | 90% |
| Aetnamajor | $18 - $302 | 65% |
| Cignamajor | $25 - $145 | 90% |
| Humanamajor | $25 - $42 | 90% |
| Kaiser Permanentemajor | $41 | 148% |
| Ambetter (Centene) | $25 - $45 | 90% |
| Clover Health | $26 | 94% |
| GEHA | $28 - $231 | 101% |
| Health Net | $25 - $55 | 90% |
| HealthPartners | $25 - $134 | 90% |
| Medica | $145 | 523% |
| Medical Mutual | $302 | 1089% |
| Meridian | $25 - $26 | 90% |
| Molina | $25 | 90% |
| Oscar Health | $36 - $41 | 130% |
| Paramount | $25 | 90% |
| Presbyterian | $25 - $26 | 90% |
| Sanford Health Plan | $44 | 159% |
| Tufts Health Plan | $25 | 90% |
| UCare | $49 | 177% |
| WellMed | $26 | 94% |
| WellSense | $25 | 90% |
| + 359 smaller / regional plans | $24 - $302 |
Self-Pay How to get the cash price
Insurance Before you use insurance
Estimate your out-of-pocket cost
A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.
Other Procedures at Mercyone Waterloo Medical Center
Compare: Physical therapy (manual therapy) at other IA hospitals
- Mercyone Des Moines Medical Center · Des Moines $26
- Ottumwa Regional Health Center · Ottumwa $26
- Unitypoint Health - Marshalltown · Marshalltown $27
- Trinity Muscatine · Muscatine $27
- St Lukes Hospital · Cedar Rapids $27
- Unitypoint Health - Des Moines Iowa Methodist Medi · Des Moines $27
- Trinity - Bettendorf · Bettendorf $27
- Allen Hospital · Waterloo $27
Insurance negotiated median for the same procedure, sorted lowest first.
Audit a Bill or Quote at Mercyone Waterloo Medical Center (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $47
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $47).
Self-Pay Cash Rate ($78) Beats Your Bill
Mercyone Waterloo Medical Center's published 45 CFR § 180 self-pay cash rate is $78 (vs. $26 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.
Negotiate Toward $33 Fair BaseRate ($28 Medicare)
Your bill ($130) is $97 above the denoised Fair BaseRate ($33) and 4.6× the $28 Medicare rate.
Clinical Quality, Patient Experience & Infection Benchmarks
Source: CMS Hospital Care Compare. Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.
How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings
Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings
Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.