Physical therapy (manual therapy)
Facility: Labette Health
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $35
- Cash Discount Price: $99
- vs. Medicare Baseline: 1.26x 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.
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 |
|---|---|---|
| Uhccp | $16 | 58% |
| Medicaid / KanCare | $23 - $64 | 83% |
| Healthy Blue | $23 | 83% |
| Ambetter / Centene | $35 - $40 | 126% |
| UnitedHealthcare | $35 - $123 | 126% |
| Blue Cross Blue Shield | $35 - $58 | 126% |
| Humana | $35 | 126% |
| Wellcare | $35 | 126% |
| Montgomery County | $47 | 170% |
| Multiplan | $121 | 437% |
| Choicecare (First Health Network) | $128 | 462% |
| Health Partners Of Kansas, Inc | $128 | 462% |
Consumer Guidance & Cost Commentary
For this Physical therapy (manual therapy) service at Labette Health in Parsons, KS, the cash price of $99.00 is notably lower than the facility's negotiated rates with most major payers, which range from $35.00 to $128.00. While the cash rate appears higher than the state average of $35.00, it is significantly lower than the gross charge of $142.00 and the Medicare benchmark of $27.72. When comparing against the county average of $35.00, the cash price represents a substantial markup, yet it remains the lowest option for patients without insurance coverage. Patients with high-deductible plans may find that paying the cash price upfront is more cost-effective than relying on insurance, as many commercial negotiated rates exceed the cash amount due to administrative overhead and contract structures.
To minimize costs, patients should verify if "self-pay" or "prompt-pay" discounts are available before scheduling, as these programs can reduce bills by 20% to 50% by bypassing insurance billing cycles. It is important to note that while the facility is in-network for many plans, the negotiated rates paid by insurers often do not reflect the true cost of care, which is anchored by the Medicare benchmark. Additionally, patients should request a detailed, itemized bill rather than a summary invoice to ensure no errors, unbundled codes, or services not rendered are included. Given that over 80% of hospital bills contain errors, reviewing the line items before payment is a critical step in avoiding unexpected debt.