Physical therapy (manual therapy)
Facility: Medstar Harbor Hospital
Billing Code: 97140 (CPT)
- CPT Billing Code: 97140
- Insurance Median: $125
- Cash Discount Price: $122
- vs. Medicare Baseline: 4.51x 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 451% of the Medicare baseline (a markup of 351%). 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 |
|---|---|---|
| Aetna | $95 - $155 | 343% |
| Amerigroup | $95 - $155 | 343% |
| Amerihealth Caritas District Of Columbia | $95 - $155 | 343% |
| Carefirst Advantage Inc | $95 - $155 | 343% |
| Carefirst Blue Choice Inc | $95 - $155 | 343% |
| Cigna | $95 - $155 | 343% |
| First Health | $95 - $155 | 343% |
| Hscsn | $95 - $155 | 343% |
| Humana | $95 - $155 | 343% |
| Kaiser Permanente | $95 - $155 | 343% |
| Magellan Behavioral Health Inc | $95 - $155 | 343% |
| Mamsi | $95 - $155 | 343% |
| Medstar Family Choice | $95 - $155 | 343% |
| Medstar Family Choice Inc | $95 - $155 | 343% |
| Ncppo Healthlink Ppo | $95 - $155 | 343% |
| Pfc | $95 - $155 | 343% |
| Private Healthcare Systems (Phcs) | $95 - $155 | 343% |
| Tricare | $95 - $155 | 343% |
| United Behavioral Health Inc | $95 - $155 | 343% |
| UnitedHealthcare | $95 - $155 | 343% |
Consumer Guidance & Cost Commentary
Medstar Harbor Hospital, located at 3001 South Hanover Street in Baltimore, MD, reports a cash median price of $122 for the CPT code 97140 (Physical therapy manual therapy). While the facility lists a gross charge of $125, the median negotiated rate for in-network commercial payers is also $125, which remains consistent with the cash price. This service is benchmarked against Medicare at 4.5 times the federal rate, with the Medicare amount set at $27.72. The data reflects pricing information for the 2026-06 vintage, based on 20 unique payers.
For patients with high-deductible plans, the cash price of $122 may be more affordable than the negotiated rates, which range from $95 to $155 depending on the specific insurance carrier. Notable payers include UnitedHealthcare, which covers 12 plans, and Cigna, which covers 6 plans, all reporting the same high-low range of $155 to $95. Because the cash rate matches the negotiated rate in this instance, patients should still verify their specific plan details and inquire about self-pay or prompt-pay discounts before scheduling. It is important to note that while the No Surprises Act protects against balance billing for out-of-network services at in-network facilities, patients should always request an itemized bill to ensure no unexpected charges are included.