Physical therapy (therapeutic exercise)
Facility: St. Catherine Hospital - Garden City
Billing Code: 97110 (CPT)
- CPT Billing Code: 97110
- Insurance Median: $130
- Cash Discount Price: $89
- vs. Medicare Baseline: 4.47x 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 $29.06 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 447% of the Medicare baseline (a markup of 347%). 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 |
|---|---|---|
| UnitedHealthcare | $29 - $232 | 100% |
| Innovage | $30 | 103% |
| Blue Cross Blue Shield | $30 - $205 | 103% |
| Cigna | $30 - $202 | 103% |
| Medicare (plans) | $30 | 103% |
| Humana | $30 | 103% |
| Kansas Health | $30 | 103% |
| Kaiser | $30 - $75 | 103% |
| Aetna | $30 - $160 | 103% |
| Devoted Health | $30 | 103% |
| Denver Health | $64 | 220% |
| Centura Employee Plan | $72 | 248% |
| Direct To Employer | $73 - $109 | 251% |
| Peak Health | $99 - $106 | 341% |
| Wpaa | $122 | 420% |
| Multiplan | $131 - $231 | 451% |
| Christian Health Aid | $139 | 478% |
| United Colorado Doctor'S Plan | $143 - $150 | 492% |
| Health Partners Of Kansas | $169 | 582% |
Consumer Guidance & Cost Commentary
For the CPT code 97110, representing physical therapy (therapeutic exercise), the gross charge at St. Catherine Hospital - Garden City is $223.00. This facility is a voluntary non-profit church-owned acute care hospital located in Garden City, KS (ZIP 67846). While the cash median price for this service in the region is $89.00, the facility's negotiated rates vary significantly by payer, ranging from $29 to $232 across 19 different plans. Notably, the lowest negotiated rate of $29 is lower than the cash median, suggesting that for patients with high-deductible plans, paying cash might be more cost-effective than relying on insurance, provided the patient's plan allows for cash payment. Medicare, which serves as the objective baseline for pricing, sets the rate at $29.06, indicating that the facility's lowest negotiated rate aligns closely with the federal benchmark.
Patients should be aware that commercial negotiated rates often include administrative overhead and can exceed cash prices due to multi-layered contract dynamics. At this facility, the median negotiated rate is $130.00, which is higher than the cash price of $89.00. To minimize costs, consumers are encouraged to verify if the hospital offers "self-pay" or "prompt-pay" discounts, which can reduce bills by 20% to 50% when paid upfront. It is also critical to request an itemized billing audit before finalizing payment, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. By comparing the facility's rates against the Medicare benchmark