Physical therapy (therapeutic exercise)
Facility: Providence Medical Center
Billing Code: 97110 (CPT)
- CPT Billing Code: 97110
- Insurance Median: $29
- Cash Discount Price: $27
- vs. Medicare Baseline: 1.00x 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.
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 |
|---|---|---|
| Aetna | $26 - $42 | 89% |
| Medicaid / KanCare | $28 | 96% |
| Midland Care Connection | $28 | 96% |
| Medicare (plans) | $28 | 96% |
| Blue Cross Blue Shield | $28 - $66 | 96% |
| UnitedHealthcare | $28 - $137 | 96% |
| Cigna | $28 | 96% |
| Tricare | $28 | 96% |
| Kansas Superior Select | $29 | 100% |
| Celtic | $29 - $44 | 100% |
| Healthy Blue | $29 | 100% |
| Corizon | $36 | 124% |
| Employer Direct Healthcare | $39 | 134% |
| Well Path Prison | $39 | 134% |
| Centurion | $41 | 141% |
| Naphcare | $43 | 148% |
Consumer Guidance & Cost Commentary
For Physical therapy (therapeutic exercise) at Providence Medical Center in Kansas City, KS, the cash median rate is $27.00, which is significantly lower than the negotiated rates paid by most insurance plans. While the facility's cash price is well below the gross chargemaster of $320.00, patients with high-deductible plans may find that paying out-of-pocket is more cost-effective than using insurance, as many commercial payers negotiate rates ranging from $26 to $137 depending on the specific plan. It is important to note that while the facility is a voluntary non-profit church-owned acute care hospital, the negotiated rates for in-network coverage often exceed the cash price due to administrative costs and contract dynamics. Patients should verify their specific plan's allowed amount before scheduling, as some insurers may allow amounts that are higher than the cash-pay option.
To minimize unexpected costs, consumers should request a prompt-pay discount or self-pay rate directly from the hospital before receiving services, as these upfront payments can bypass the higher administrative fees associated with insurance billing. If a balance bill arises from an out-of-network service, patients should not pay immediately out of fear of credit damage; instead, they should dispute the bill with their insurer and request a No Surprises Act audit if applicable. Furthermore, if an itemized bill is received, patients should demand a full line-by-line review to identify potential errors, such as unbundled codes or services not rendered, since over 80% of hospital bills contain inaccuracies. By comparing the facility's rates to the Medicare benchmark of $29.06, which represents the true cost baseline, patients can better understand the value of their coverage and avoid overpay