CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: University of Louisville Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $75
Cash Discount Price: $45
vs. Medicare Baseline: 2.71x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at University of Louisville Hospital is $75. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $45. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 2.71x the Medicare baseline. Located in 530 South Jackson Street, Louisville, KY.

Cash / Self-Pay

$45

Average discount available for prompt cash payment at this facility.

Insurance Median

$75

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: $45 (162%)

Insurance Median: $75 (271%)

Cash: $45 (162% of Medicare)

Ins. Median: $75 (271% 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 271% of the Medicare baseline (a markup of 171%). 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
Humana	$24 - $31	87%
Senior Care Community Of Ky	$25	90%
Blue Cross Blue Shield	$26 - $187	94%
Essence Health	$26	94%
Signature	$26 - $94	94%
Va Ccn	$26	94%
Communicare	$27	97%
Devoted	$27 - $56	97%
Passport	$27 - $94	97%
Wellcare	$30 - $36	108%
Aetna	$31	112%
UnitedHealthcare	$31 - $89	112%
Velocity	$32 - $183	115%
Key Benefit Administrators	$33	119%
Prime Group Health	$52 - $159	188%
Cigna	$102	368%
Cshn	$122 - $187	440%
Multiplan	$123 - $168	444%
Encore	$131	473%
Health Smart	$140	505%
Omca	$178	642%
Corvel	$187	675%
National Comp Care	$187	675%

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 $45.
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 University of Louisville 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.