CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: Frankfort Regional Medical Center

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $59
Cash Discount Price: $495
vs. Medicare Baseline: 2.03x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at Frankfort Regional Medical Center is $59. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $495. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 2.03x the Medicare baseline. Located in 299 Kings Daughters Drive, Frankfort, KY.

Cash / Self-Pay

$495

Average discount available for prompt cash payment at this facility.

Insurance Median

$59

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $495 (1703%)

Insurance Median: $59 (203%)

Cash: $495 (1703% of Medicare)

Ins. Median: $59 (203% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 203% of the Medicare baseline (a markup of 103%). 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
Aetna	$24 - $28	83%
Blue Cross Blue Shield	$24 - $172	83%
Devoted Health	$24 - $28	83%
Humana	$24 - $172	83%
United Behavioral Health	$24 - $28	83%
United Va	$24 - $28	83%
Wellcare	$24 - $32	83%
Horizon Pace	$25 - $28	86%
United	$25 - $280	86%
Molina	$29 - $50	100%
Corvel	$59 - $100	203%
Prime Health	$59 - $100	203%
Coventry Cares	$66 - $112	227%
Signature Advantage	$70 - $118	241%
Cigna	$108 - $183	372%
Essence Healthcare	$165 - $280	568%
Baptist Health Network	$198 - $337	681%
Hospice Of Central Kentucky	$231 - $393	795%
Occupational Mc Alliance	$293 - $499	1008%
Multiplan	$348 - $592	1198%

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 $495.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97110.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Frankfort Regional Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97110.
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.