CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Memorial Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $122
Cash Discount Price: $108
vs. Medicare Baseline: 4.40x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Memorial Hospital is $122. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $108. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 4.40x the Medicare baseline. Located in 1454 N County Road 2050 E, Carthage, IL.

Cash / Self-Pay

$108

Average discount available for prompt cash payment at this facility.

Insurance Median

$122

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: $108 (390%)

Insurance Median: $122 (440%)

Cash: $108 (390% of Medicare)

Ins. Median: $122 (440% 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 440% of the Medicare baseline (a markup of 340%). 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
Aetna	$38 - $135	137%
Blue Cross Blue Shield	$38 - $135	137%
Cigna	$38 - $135	137%
Health Alliance	$38 - $135	137%
Humana	$38 - $135	137%
Meridian	$38 - $135	137%
Molina	$38 - $135	137%
UnitedHealthcare	$38 - $135	137%
Consociate	$115 - $135	415%
Healthlink	$115 - $135	415%
Private Healthcare Systems	$115	415%
Integrated Health Plan	$119	429%
First Health Network	$120 - $135	433%
Health Dynamics	$122	440%
Health Payors Org	$122	440%
Iowa Health Solutions	$122	440%
Multiplan	$122	440%
Preferred Plan Inc	$122	440%
Three Rivers Provider Network	$122	440%
Health First Network	$123	444%
Pponext	$123	444%
Corvel	$128	462%

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 $108.
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 Memorial 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.