Physical therapy (manual therapy)
Facility: Saint Luke'S South Hospital
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $81
- Cash Discount Price: $152
- vs. Medicare Baseline: 2.92x 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 292% of the Medicare baseline (a markup of 192%). 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 |
|---|---|---|
| Aetna | $17 - $241 | 61% |
| Medicaid / KanCare | $22 - $36 | 79% |
| Transplants-Case Rates [5750] | $23 - $254 | 83% |
| Blue Cross Blue Shield | $32 - $81 | 115% |
| UnitedHealthcare | $33 - $127 | 119% |
| Humana | $47 - $81 | 170% |
| Cigna | $69 - $289 | 249% |
| First Health [5512] | $151 | 545% |
| Commercial-Contracted [8000] | $190 - $205 | 685% |
Consumer Guidance & Cost Commentary
For the CPT code 97140, representing physical therapy with manual therapy, Saint Luke's South Hospital in Overland Park, KS, lists a cash median price of $152.00, which is significantly higher than the state average of $34.00. While this facility's cash rate exceeds the state median, patients with high-deductible plans may find that paying cash upfront is more cost-effective than using insurance, as the facility's negotiated rates with major payers like Aetna and Blue Cross Blue Shield range from $17 to $81, often falling below the cash price. It is important to note that commercial negotiated rates frequently include administrative overhead and do not reflect the true cost of care; comparing these rates to the Medicare benchmark of $27.72 reveals a substantial markup, with fair pricing typically defined as 120% to 150% of the Medicare amount.
Patients should be aware that balance billing can occur if a provider bills the difference between their full chargemaster rate and what the insurance allows, though the No Surprises Act protects against this for emergency and non-emergency services at in-network facilities. To avoid unexpected costs, consumers should request a full itemized billing audit before paying, as over 80% of hospital bills contain errors such as unbundled codes or services not rendered. Additionally, asking for a prompt-pay discount before scheduling can reduce the bill by 20% to 50%, bypassing the costly insurance claims cycle and administrative fees. Finally, verifying the specific allowed amount with the hospital prior to treatment ensures you are aware of the exact financial responsibility, rather than relying on summary bills that obscure individual line