Physical therapy (manual therapy)
Facility: Jewell County Hospital
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $99
- Cash Discount Price: $78
- vs. Medicare Baseline: 3.57x 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 357% of the Medicare baseline (a markup of 257%). 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 |
|---|---|---|
| Rural Carriers - All Plans | $88 | 317% |
| Aetna | $94 | 339% |
| Meritain - All Plans | $94 | 339% |
| UnitedHealthcare | $99 | 357% |
| Cigna | $99 | 357% |
| Midlands Choice - All Plans | $99 | 357% |
| First Health - All Plans | $99 | 357% |
Consumer Guidance & Cost Commentary
For the CPT code 97140, representing physical therapy with manual therapy, the gross charge at Jewell County Hospital is $104.00. While the facility's cash median rate of $78.00 is lower than the gross charge, it is important to note that commercial insurance negotiated rates average $99.00, which exceeds the cash price. This pricing structure highlights a scenario where paying out-of-pocket might be more cost-effective for patients with high-deductible plans, as the insurance negotiated rate of $99.00 surpasses the cash rate of $78.00. Additionally, patients should verify if the hospital offers "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can further reduce the final amount owed.
When evaluating this rate against broader benchmarks, the facility's cash median of $78.00 is notably lower than the state of Kansas average of $99.00. However, the commercial negotiated rate of $99.00 aligns exactly with the state average, suggesting that while cash rates may offer savings, in-network insurance coverage will result in a payment consistent with the state norm. To ensure you are receiving the most accurate pricing, it is recommended to request an itemized billing audit before finalizing payment, as summary bills often obscure individual code costs. Furthermore, since this is a Critical Access Hospital in Mankato, KS, with government-local ownership, patients should confirm their specific plan details to avoid unexpected balance billing, especially given federal protections against surprise bills for out-of-network services at in-network facilities.