Physical therapy (manual therapy)
Facility: Minneola District Hospital
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $77
- Cash Discount Price: $60
- vs. Medicare Baseline: 2.78x 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 278% of the Medicare baseline (a markup of 178%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $50 | 180% |
| UnitedHealthcare | $57 - $85 | 206% |
| Va Community Care Program-All Plans | $57 | 206% |
| Humana | $57 | 206% |
| Corporate Plan Management-All Plans | $72 | 260% |
| Providrs Care Network-All Plans | $72 | 260% |
| Triwest-All Plans | $76 | 274% |
| Preferred Health Care (Coventry)-All Other Plans | $76 | 274% |
| Aetna | $81 - $85 | 292% |
| Health Partners Of Kansas-All Plans | $81 | 292% |
| Phc (Coventry) Leased Network | $81 | 292% |
| Medicaid / KanCare | $85 | 307% |
Consumer Guidance & Cost Commentary
For CPT code 97140, Physical therapy (manual therapy), the facility in Minneola, KS, lists a gross charge of $85.00. While the Medicare benchmark for this service is $27.72, the facility's cash median rate is $60.00, which is significantly higher than the Medicare amount but lower than the gross charge. Commercial insurance payers negotiate rates that generally fall between $50.00 and $85.00, with UnitedHealthcare plans ranging from $57.00 to $85.00 and Medicaid/KanCare fixed at $85.00. Because commercial negotiated rates often exceed cash prices due to administrative overhead and contract structures, patients with high-deductible plans may find paying the cash median of $60.00 more cost-effective than relying on insurance, which could result in higher out-of-pocket costs if deductibles are not yet met.
To minimize unexpected costs, patients should verify their specific plan's negotiated rate before scheduling, as some in-network plans may pay amounts closer to the facility's cash price. It is also advisable to contact the hospital directly to inquire about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if paid upfront. If a patient receives a bill from an out-of-network provider or encounters unexpected charges, they should request an itemized billing audit to identify errors such as code unbundling or services not rendered, as over 80% of hospital bills contain inaccuracies. Under federal protections like the No Surprises Act, balance billing for emergency or non-emergency services at