Physical therapy (therapeutic exercise)
Facility: Jewell County Hospital
Billing Code: 97110 (CPT)
- CPT Billing Code: 97110
- Insurance Median: $97
- Cash Discount Price: $77
- vs. Medicare Baseline: 3.34x 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 334% of the Medicare baseline (a markup of 234%). 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 | $87 | 299% |
| Aetna | $92 | 317% |
| Meritain - All Plans | $92 | 317% |
| UnitedHealthcare | $97 | 334% |
| First Health - All Plans | $97 | 334% |
| Cigna | $97 | 334% |
| Midlands Choice - All Plans | $97 | 334% |
Consumer Guidance & Cost Commentary
For the Physical therapy (therapeutic exercise) service (CPT 97110) at Jewell County Hospital, the negotiated rates across seven commercial payers average $97, which is 3.3% higher than the Medicare benchmark of $29.06. While the facility's cash price of $77 is lower than the negotiated amounts, patients with high-deductible plans may find the cash option more cost-effective if their insurance allows them to pay the full negotiated rate of $97. It is important to note that the cash price is also lower than the state average for this service, offering a potential savings opportunity for those who can afford to pay upfront.
To maximize savings, patients should verify if the hospital offers "self-pay" or "prompt-pay" discounts, which can reduce the bill by 20% to 50% when paid in full before or shortly after the service. Since the facility is a Critical Access Hospital in Mankato, KS, and is government-owned, asking about these discounts prior to scheduling is crucial to avoid being billed the full negotiated rate. Additionally, because over 80% of hospital bills contain errors, patients should request a detailed itemized statement to ensure no unbundled codes or services not rendered are included before finalizing payment.