CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Iowa Specialty Hospital - Clarion

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $84
Cash Discount Price: $63
vs. Medicare Baseline: 3.03x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Iowa Specialty Hospital - Clarion is $84. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $63. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 3.03x the Medicare baseline. Located in 1316 South Main Street, Clarion, IA.

Cash / Self-Pay

$63

Average discount available for prompt cash payment at this facility.

Insurance Median

$84

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: $63 (227%)

Insurance Median: $84 (303%)

Cash: $63 (227% of Medicare)

Ins. Median: $84 (303% 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 303% of the Medicare baseline (a markup of 203%). 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
Tricare	$30 - $36	108%
Triwest Va - All Plans	$30 - $36	108%
Healthscope Stellar-All Plans	$51 - $61	184%
Auxiant Clarion Schools-All Plans	$62 - $75	224%
Health Partners Prestage	$72 - $86	260%
Health Partners Ish-All Other Plans	$77 - $92	278%
Aetna	$82 - $98	296%
UnitedHealthcare	$91 - $109	328%
Cigna	$93 - $112	335%
Midlands Choice-All Plans	$93 - $112	335%
Wellmark Hmo	$158	570%
Wellmark Ppo - All Other Plans	$174	628%

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 $63.
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 Iowa Specialty Hospital - Clarion 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.