CMS Price Transparency Data
Physical therapy (manual therapy)
Facility: St Joe Mercy Hospital System Livonia
Billing Code: 97140 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 97140
- Insurance Median: $143
- Cash Discount Price: $148
- vs. Medicare Baseline: 5.16x Medicare
The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at St Joe Mercy Hospital System Livonia is $143. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $148. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 5.16x the Medicare baseline. Located in 36475 Five Mile Road, Livonia, MI.
Cash / Self-Pay
$148
Average discount available for prompt cash payment at this facility.
Insurance Median
$143
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: $148 (534%)
Insurance Median: $143 (516%)
Cash: $148 (534% of Medicare)
Ins. Median: $143 (516% 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 516% of the Medicare baseline (a markup of 416%). 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.
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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 | $15 - $70 | 54% |
| Medicaid / KanCare | $15 | 54% |
| Aetna | $27 - $132 | 97% |
| Blue Care Network Advantage | $27 | 97% |
| Hospice Of Michigan | $27 | 97% |
| Medicare (plans) | $27 - $29 | 97% |
| Align Senior Care | $28 | 101% |
| Angela Hospice | $28 | 101% |
| UnitedHealthcare | $28 - $146 | 101% |
| Cca - Zing Health | $29 | 105% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $31 | 112% |
| Molina Marketplace | $36 | 130% |
| U Of M Health Plan | $42 | 152% |
| Health Cost Solutions | $43 | 155% |
| Vitalcore | $43 | 155% |
| Wellpath | $43 | 155% |
| Priority Health | $50 - $56 | 180% |
| Employee Benefit Logistic | $62 | 224% |
| Wc Accident Fund | $64 | 231% |
| Wc Advantage | $64 | 231% |
| Wc Aig | $64 | 231% |
| Wc Allied | $64 | 231% |
| Wc Amerisure | $64 | 231% |
| Wc Amtrust | $64 | 231% |
| Wc Asu Risk Mgt | $64 | 231% |
| Wc Berkley Admin | $64 | 231% |
| Wc Broadspire | $64 | 231% |
| Wc Bunch & Associates | $64 | 231% |
| Wc Ccmsi | $64 | 231% |
| Wc Emc Insurance Company | $64 | 231% |
| Wc Esis | $64 | 231% |
| Wc Fcci | $64 | 231% |
| Wc Federated | $64 | 231% |
| Wc Gallagher Bassett | $64 | 231% |
| Wc Genex Care For Ohio | $64 | 231% |
| Wc Guard Insurance Company | $64 | 231% |
| Wc Hartford | $64 | 231% |
| Wc Liberty Mutual | $64 | 231% |
| Wc Meijers | $64 | 231% |
| Wc Michigan | $64 | 231% |
| Wc Mitchell Frankenmuth | $64 | 231% |
| Wc Pma | $64 | 231% |
| Wc Sedgwick | $64 | 231% |
| Wc Sentry | $64 | 231% |
| Wc Travelers | $64 | 231% |
| Wc Tristar | $64 | 231% |
| Wc Walmart | $64 | 231% |
| Wc Zurich | $64 | 231% |
| Bcn Domestic | $70 | 253% |
| Blue Benefit Administrators Of Massachusetts | $70 | 253% |
| Blue Care Network | $70 | 253% |
| Blue Distinction Transplant | $70 | 253% |
| Blue Shield - Ca | $70 | 253% |
| Blue Shield - Id (Regence) | $70 | 253% |
| Blue Shield - Ny Highmark Northeastern | $70 | 253% |
| Blue Shield - Ny Highmark Western | $70 | 253% |
| Blue Shield - Pa (Highmark) | $70 | 253% |
| Blue Shield - Wa (Regence) | $70 | 253% |
| Health Choices | $70 - $144 | 253% |
| Kaiser Domestic | $70 | 253% |
| Asr Health Benefits | $82 | 296% |
| Caresource | $82 | 296% |
| Hap | $82 - $139 | 296% |
| Varipro | $82 | 296% |
| Acs Benefit Services | $97 | 350% |
| Allied Benefit Systems | $97 | 350% |
| Claimchoice Adminstrators | $97 | 350% |
| Consociate | $97 | 350% |
| Cypress Benefit Administrators | $97 | 350% |
| Forest County Potawatomi | $97 | 350% |
| Health Smart | $97 | 350% |
| Healthgram | $97 | 350% |
| Healthscope | $97 | 350% |
| Secureone Preferred United Plans | $97 | 350% |
| Sisco Benefits | $97 | 350% |
| The Health Plan | $97 | 350% |
| Trustmark Small Business Benefits | $97 | 350% |
| Unified Group Services | $97 | 350% |
| Webtpa | $97 | 350% |
| Geha | $132 - $146 | 476% |
| Luminare Health (Detroit) | $132 | 476% |
| Meritain | $132 | 476% |
| Health Partners | $139 | 501% |
| Tufts Health Plan | $139 | 501% |
| Cigna | $142 - $182 | 512% |
| Access Health | $144 | 519% |
| Acclaim | $144 | 519% |
| Administrative Concepts | $144 | 519% |
| Allegeant | $144 | 519% |
| Ameriben | $144 | 519% |
| American Family | $144 | 519% |
| American Healthcare Alliance | $144 | 519% |
| American National | $144 | 519% |
| American Republic | $144 | 519% |
| Amerihealth | $144 | 519% |
| Aultcare | $144 | 519% |
| Automated Benefit Services | $144 | 519% |
| Auxiant | $144 | 519% |
| Benefit Administrative Systems,Llc | $144 | 519% |
| Boon Chapman | $144 | 519% |
| Cam Administrative Services | $144 | 519% |
| Christian Brother Services | $144 | 519% |
| Christian Brothers Holy Cross | $144 | 519% |
| Comprehensive Benefits | $144 | 519% |
| Continental Life Insurance | $144 | 519% |
| Custom Benefit Administrators | $144 | 519% |
| Employee Benefit Concepts | $144 | 519% |
| Employee Benefit Management | $144 | 519% |
| Enterprise Group Planning | $144 | 519% |
| Freedom Life Insurance Company | $144 | 519% |
| Group Administrators | $144 | 519% |
| Group Marketing Services | $144 | 519% |
| Guardian | $144 | 519% |
| Health America | $144 | 519% |
| Healthcare Management Admin | $144 | 519% |
| Healthez | $144 | 519% |
| Humana | $144 | 519% |
| Insight | $144 | 519% |
| Intercare | $144 | 519% |
| Jfp Benefit Management | $144 | 519% |
| Jp Farley Corporation | $144 | 519% |
| Key Benefit Administrator | $144 | 519% |
| Liberty Union Life Assurance Co | $144 | 519% |
| Lucent Health | $144 | 519% |
| Luminare Health | $144 | 519% |
| Magnacare | $144 | 519% |
| Medben | $144 | 519% |
| Medcost | $144 | 519% |
| Medical Mutual | $144 | 519% |
| Mutual Health Services | $144 | 519% |
| Mutual Of Omaha | $144 | 519% |
| Ncas | $144 | 519% |
| Nippon Life Ins | $144 | 519% |
| Nova | $144 | 519% |
| Painters Union Insurance Fund | $144 | 519% |
| Physicians Mutual | $144 | 519% |
| Plumbers Local 98 Insurance Fund | $144 | 519% |
| Prairie States | $144 | 519% |
| Preferred One | $144 | 519% |
| Primary Physician Care | $144 | 519% |
| Professional Benefit Administrators | $144 | 519% |
| Siho Insurance Services | $144 | 519% |
| The Loomis Company | $144 | 519% |
| Unicare | $144 | 519% |
| Us Health And Life | $144 | 519% |
| Valenz | $144 | 519% |
| Western & Southern Financial Group | $144 | 519% |
| Wps | $144 | 519% |
| 1199 National Benefit Fund | $145 | 523% |
| Allied National Global Care | $145 | 523% |
| Asrm - Reliance Standard Life Insurance | $145 | 523% |
| Christian Care Ministry | $145 | 523% |
| Dean Health | $145 | 523% |
| Fallon Health | $145 | 523% |
| Family Life Insurance Company | $145 | 523% |
| Ghc Scw | $145 | 523% |
| Group Pension Administrators | $145 | 523% |
| International Benefit Administrators | $145 | 523% |
| Lifetime Benefit Solutions | $145 | 523% |
| Manhattan Life | $145 | 523% |
| Medi Share | $145 | 523% |
| Multiplan | $145 | 523% |
| Mvp | $145 | 523% |
| Pai | $145 | 523% |
| Pan-American Life | $145 | 523% |
| Paramount Hmo | $145 | 523% |
| Phcs | $145 | 523% |
| Trinity Health Share | $145 | 523% |
| First Health | $148 | 534% |
| Coventry | $182 | 657% |
| Prime Health Services | $182 | 657% |
| Three Rivers Provider Network | $204 | 736% |
| Carelon Behavioral Health | $227 | 819% |
| Cmh Detroit Wayne Integrated Health Network | $227 | 819% |
| Cmh Lenawee County | $227 | 819% |
| Cmh Livingston County | $227 | 819% |
| Cmh Misc | $227 | 819% |
| Cmh Monroe County | $227 | 819% |
| Cmh Washtenaw County | $227 | 819% |
| Magellan Behavioral Health | $227 | 819% |