CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: PAM Health Rehabilitation Hospital of Greater Indiana

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $51
Cash Discount Price: $160
vs. Medicare Baseline: 1.84x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at PAM Health Rehabilitation Hospital of Greater Indiana is $51. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $160. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 1.84x the Medicare baseline. Located in 2101 Broadway St, Clarksville, IN.

Cash / Self-Pay

$160

Average discount available for prompt cash payment at this facility.

Insurance Median

$51

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: $160 (577%)

Insurance Median: $51 (184%)

Cash: $160 (577% of Medicare)

Ins. Median: $51 (184% 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
Humana	$17 - $26	61%
Blue Cross Blue Shield	$22 - $51	79%
Palm Beach Aco Reach	$25	90%
Caresource	$26 - $51	94%
Ilumed Aco Reach	$26	94%
UnitedHealthcare	$26 - $175	94%
Caresource Indiana	$31	112%
Velocity Provider Ppo Network	$31 - $120	112%
Aetna	$32 - $110	115%
Prime Health Services	$34 - $136	123%
Multiplan/Phcs	$96	346%
America'S Choice Provider	$112	404%
Quik Trip	$120	433%
Usa Managed Care Organization	$120	433%

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 $160.
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 PAM Health Rehabilitation Hospital of Greater Indiana 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.