CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Munson Healthcare Grayling Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $31
Cash Discount Price: $123
vs. Medicare Baseline: 1.12x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Munson Healthcare Grayling Hospital is $31. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $123. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 1.12x the Medicare baseline. Located in 1100 E Michigan Ave, Grayling, MI.

Cash / Self-Pay

$123

Average discount available for prompt cash payment at this facility.

Insurance Median

$31

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: $123 (444%)

Insurance Median: $31 (112%)

Cash: $123 (444% of Medicare)

Ins. Median: $31 (112% 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.

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	$14 - $54	51%
Mclaren Health Plan	$14 - $81	51%
Meridian	$14	51%
Molina	$14 - $29	51%
Priority Health	$14 - $85	51%
UnitedHealthcare	$14 - $87	51%
Aetna	$23 - $110	83%
Cofinity	$23 - $113	83%
Atrium King Centre Skilled Nursing Services	$27	97%
Blue Care Network	$27	97%
Hap (Health Alliance Plan)	$27 - $116	97%
Humana	$27	97%
Medicare (plans)	$27	97%
Michigan Amish Medical Board	$27 - $31	97%
Northern Michigan Mennonite Group	$27	97%
Promedica	$27	97%
Wellcare (Meridian)	$27	97%
Wellspring Lutheran Services Skilling Nursing Services	$27	97%
Cigna	$35 - $85	126%
Provider Network Of America Group Health	$37 - $123	133%
Asr/Physicians Care	$40 - $116	144%
Nomi Health	$43 - $116	155%
Employee Benefits Logistics	$45	162%
Hospice Of Michigan	$87	314%
Munson Hospice	$102 - $852	368%
Medical Cost Savings Solution	$116	418%
The Robbins Group And Regency Employee Benefits	$116	418%
Wds Enterprise Group Planning	$116	418%
First Health/Coventry Network	$123	444%
Three Rivers Provider Network	$123	444%

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 $123.
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 Munson Healthcare Grayling 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.