Physical therapy (manual therapy)
Facility: St. Catherine Hospital - Garden City
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $86
- Cash Discount Price: $70
- vs. Medicare Baseline: 3.10x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 310% of the Medicare baseline (a markup of 210%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Denver Health | $26 - $68 | 94% |
| UnitedHealthcare | $27 - $232 | 97% |
| Devoted Health | $28 | 101% |
| Humana | $28 | 101% |
| Innovage | $28 | 101% |
| Blue Cross Blue Shield | $28 - $205 | 101% |
| Aetna | $28 - $160 | 101% |
| Cigna | $28 - $202 | 101% |
| Medicare (plans) | $28 | 101% |
| Kaiser | $28 - $80 | 101% |
| Kansas Health | $28 | 101% |
| Direct To Employer | $29 - $116 | 105% |
| United Colorado Doctor'S Plan | $41 - $150 | 148% |
| Peak Health | $42 - $113 | 152% |
| Centura Employee Plan | $54 - $72 | 195% |
| Multiplan | $76 - $246 | 274% |
| Wpaa | $122 | 440% |
| Christian Health Aid | $139 | 501% |
| Health Partners Of Kansas | $169 | 610% |
Consumer Guidance & Cost Commentary
For the CPT code 97140, representing physical therapy (manual therapy), the gross charge at St. Catherine Hospital - Garden City is $174.00. While the facility's cash median rate of $70.00 is significantly lower than the gross charge, it is important to note that this amount is still higher than the national Medicare benchmark of $27.72. Commercial negotiated rates vary widely among payers, ranging from a low of $26.00 with Denver Health to a high of $246.00 with Multiplan. The median negotiated rate across all payers is $86.00, which remains above the Medicare benchmark but below the facility's gross charge. Patients with high-deductible plans may find that paying the cash price of $70.00 upfront is more cost-effective than relying on insurance, as the negotiated rates for many plans exceed the cash amount.
To minimize costs, patients should proactively ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling services, as these upfront payment incentives can reduce the final bill by 20% to 50%. It is also crucial to request a full, itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. If a patient receives a balance bill for out-of-network services, they should not pay immediately but instead dispute the charge with their insurer under the No Surprises Act. Finally, when evaluating the facility's pricing, the $27.72 Medicare rate serves as the most reliable baseline for understanding the true cost of