Physical therapy (manual therapy)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $62
- Cash Discount Price: $146
- vs. Medicare Baseline: 2.24x 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 224% of the Medicare baseline (a markup of 124%). 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 |
|---|---|---|
| Medicaid / KanCare | $22 | 79% |
| Tricare | $60 | 216% |
| Medadv_Allwell | $62 | 224% |
| Medicare (plans) | $62 | 224% |
| Medadv_Uhc | $62 | 224% |
| Aetna | $62 | 224% |
| Va_Ccn | $62 | 224% |
| Blue Cross Blue Shield | $62 - $64 | 224% |
| Humana | $62 | 224% |
| Ambetter / Centene | $98 | 354% |
| Wppa_Providrscare | $161 | 581% |
| United | $162 | 584% |
| Hpk | $185 | 667% |
| Cigna | $185 | 667% |
| Coventry | $185 | 667% |
Consumer Guidance & Cost Commentary
For this Physical therapy (manual therapy) service at Neosho Memorial Regional Medical Center in Chanute, KS, the negotiated rates for in-network payers range from $22 to $185, with a median negotiated amount of $62.00. This facility, a Critical Access Hospital owned by the local government, lists a cash price of $146.00, which is notably higher than the median negotiated rate. While cash payments can sometimes be more expensive than insurance payments, patients with high-deductible plans may find the cash price advantageous if their specific insurance negotiated rate exceeds $146.00. It is important to note that the facility's cash rate is significantly higher than the state average for this procedure, and patients should verify their specific plan's allowed amount before scheduling to ensure they are not paying more than necessary.
To avoid unexpected costs, patients should proactively request a "self-pay" or "prompt-pay" discount from the hospital before check-in, as these upfront payment incentives can reduce the final bill by 20% to 50%. Additionally, if a patient receives a bill that includes charges for services not rendered or unbundled components, they should request a full itemized CPT-coded audit rather than accepting a summary bill. Since over 80% of hospital bills contain errors, a line-by-line review is the most effective way to identify and dispute mistakes. Finally, if a patient faces a balance bill from an out-of-network provider at this in-network facility, they should not pay immediately but instead dispute the charge with their insurer to request a No Surprises Act audit, as federal protections often ban these surprise bills for emergency and non-emergency services.