CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Murray-Calloway County Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $122
Cash Discount Price: $153
vs. Medicare Baseline: 4.40x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Murray-Calloway County Hospital is $122. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $153. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 4.40x the Medicare baseline. Located in 803 Poplar Street, Murray, KY.

Cash / Self-Pay

$153

Average discount available for prompt cash payment at this facility.

Insurance Median

$122

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$27.72

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $27.72 (100%)

Cash / Self-Pay: $153 (552%)

Insurance Median: $122 (440%)

Cash: $153 (552% of Medicare)

Ins. Median: $122 (440% of 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 440% of the Medicare baseline (a markup of 340%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

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	$26 - $167	94%
Humana	$26 - $163	94%
Tricare	$26	94%
Triwest - All Plans	$26	94%
Wellcare Mcr Adv	$27	97%
Wellcare Health Plan Inc	$30	108%
Medben Mcch Employees	$45	162%
Ambetter / Centene	$51	184%
Health Cost Solutions - All Plans	$66	238%
Aetna	$78 - $81	281%
Coventry Cares Of Ky - All Plans	$78 - $81	281%
Medicaid / KanCare	$78 - $81	281%
Passport Health - All Plans	$78 - $81	281%
UnitedHealthcare	$118 - $123	426%
Occunet - All Plans	$120	433%
Medben City Of Murray - All Other Plans	$139 - $145	501%
Center Care - All Plans	$166 - $174	599%
Bluegrass - All Plans	$173 - $181	624%
Three Rivers - All Plans	$185 - $193	667%
First Health - All Plans	$208 - $217	750%
Healthsmart - All Plans	$208 - $217	750%
Multiplan - All Plans	$208 - $217	750%
Corvel Corporation - All Plans	$231 - $241	833%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $153.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97140.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Murray-Calloway County Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97140.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.