Physical therapy (manual therapy)
Facility: Kearny County Hospital
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $109
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 3.93x 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 393% of the Medicare baseline (a markup of 293%). 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 |
|---|---|---|
| UnitedHealthcare | $109 | 393% |
| Community Care Health Plan Of | $109 | 393% |
| Kansas Solutions | $109 | 393% |
| Blue Cross Blue Shield | $109 - $218 | 393% |
| Wps Gha - Mac J5 Part A | $218 | 786% |
Consumer Guidance & Cost Commentary
For this Physical therapy (manual therapy) service at Kearny County Hospital in Lakin, KS, the negotiated rates for in-network insurance plans range from $109 to $218, with a median paid amount of $74.00. While the facility is a Critical Access Hospital owned by the local government, the data does not provide a specific county or state average for comparison. However, the median negotiated rate of $109.00 is notably higher than the Medicare benchmark of $27.72, reflecting the typical administrative markup and contract dynamics that commercial insurers utilize. Patients should be aware that while in-network plans offer protection against balance billing, the actual amount paid often exceeds the cash price, which can be advantageous for those with high-deductible plans who may pay less out-of-pocket if they choose to pay cash directly.
To potentially lower costs, patients should proactively ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can bypass the higher administrative costs associated with insurance claims. It is important to verify your deductible status prior to receiving care, as paying the full negotiated rate without meeting your deductible can result in significant out-of-pocket expenses. If you receive a bill, always request a detailed, itemized statement rather than accepting a summary invoice, as over 80% of hospital bills contain errors that can be corrected through a formal written audit. By comparing your specific plan's allowed amount against the Medicare rate and inquiring about cash discounts, you can make informed decisions that align with your financial situation.