Physical therapy (manual therapy)
Facility: Republic County Hospital
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $79
- Cash Discount Price: $65
- vs. Medicare Baseline: 2.85x 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 285% of the Medicare baseline (a markup of 185%). 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 | $73 | 263% |
| Meritain-All Plans | $77 | 278% |
| Aetna | $77 | 278% |
| UnitedHealthcare | $79 | 285% |
| Midlands Choice-All Plans | $82 | 296% |
| Cigna | $82 | 296% |
| First Health-All Plans | $82 | 296% |
Consumer Guidance & Cost Commentary
For this Physical therapy (manual therapy) service at Republic County Hospital in Belleville, KS, the facility's cash price of $65.00 is lower than the state average of $79.00, though it matches the median negotiated rate paid by commercial insurers. While the facility is a Critical Access Hospital with a voluntary non-profit ownership structure, patients should note that commercial insurance contracts often result in higher out-of-pocket costs than paying cash directly. If your insurance plan has a high deductible, paying the $65.00 cash price upfront may be more cost-effective than relying on the negotiated rate of $79.00, which includes administrative overhead and contract dynamics that typically inflate the baseline price by 20% to 40% compared to the true cost of care.
The facility's pricing is also significantly higher than the Medicare benchmark of $27.72, with the commercial negotiated rate representing a markup of 2.8 times the Medicare amount. To minimize costs, we recommend contacting the hospital directly to inquire about "self-pay" or "prompt-pay" discounts, which can reduce bills by 20% to 50% for upfront payments. Before scheduling, verify your deductible status and ensure you request a waiver of insurance submission to avoid automatic claims processing, which could void any cash discount agreements. Finally, if you receive a bill, always request a detailed itemized statement to identify any errors or unbundled codes, as over 80% of hospital bills contain discrepancies that can be corrected through a formal written audit dispute.