CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Monroe County Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $88
Cash Discount Price: $103
vs. Medicare Baseline: 3.17x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Monroe County Hospital is $88. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $103. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 3.17x the Medicare baseline. Located in 6580 165Th Street, Albia, IA.

Cash / Self-Pay

$103

Average discount available for prompt cash payment at this facility.

Insurance Median

$88

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: $103 (372%)

Insurance Median: $88 (317%)

Cash: $103 (372% of Medicare)

Ins. Median: $88 (317% 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 317% of the Medicare baseline (a markup of 217%). 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
Mahp Mcare - All Plans	$72	260%
Tricare	$72	260%
UnitedHealthcare	$72 - $163	260%
Va Ccn - All Plans	$72	260%
Amerigroup Mcare	$73	263%
Humana	$73	263%
Wellmark Mcare	$73	263%
Aetna	$74 - $162	267%
Iowa Total Care Mcaid - All Plans	$86	310%
Molina Mcaid - All Plans	$87	314%
Amerigroup Mcaid - All Other Plans	$88	317%
Centivo - All Plans	$108	390%
Midlands Choice - All Plans	$120	433%
Preferred Hlth - All Plans	$129	465%
Geha - All Plans	$138	498%
Multiplan - All Plans	$155	559%
Integrated Hp - All Plans	$167	602%
Wellmark Hmo	$200	722%
Wellmark Ppo - All Other Plans	$216	779%

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 $103.
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 Monroe County 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.