CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Munson Healthcare Manistee Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $40
Cash Discount Price: $118
vs. Medicare Baseline: 1.44x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Munson Healthcare Manistee Hospital is $40. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $118. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 1.44x the Medicare baseline. Located in 1465 E Parkdale Ave, Manistee, MI.

Cash / Self-Pay

$118

Average discount available for prompt cash payment at this facility.

Insurance Median

$40

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: $118 (426%)

Insurance Median: $40 (144%)

Cash: $118 (426% of Medicare)

Ins. Median: $40 (144% 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 - $70	51%
Mclaren Health Plan	$14 - $104	51%
Meridian	$14	51%
Molina	$14 - $29	51%
Priority Health	$14 - $85	51%
UnitedHealthcare	$14 - $125	51%
Aetna	$23 - $120	83%
Cofinity	$23 - $122	83%
Hap (Health Alliance Plan)	$27 - $111	97%
Humana	$27	97%
Medicare (plans)	$27	97%
Michigan Amish Medical Board	$27	97%
Northern Michigan Mennonite Group	$27	97%
Prime Health Services	$27 - $128	97%
Wellcare Meridian	$27	97%
Cigna	$35 - $85	126%
Provider Network Of America	$37 - $118	133%
Asr/Physicians Care	$40 - $111	144%
Nomi Health	$43 - $111	155%
Employee Benefits Logistics	$45	162%
Hospice Of Michigan	$83	299%
Munson Hospice	$97 - $852	350%
Enterprise Group Planning/Employee Benefits Plan	$111	400%
Medical Cost Savings Solution	$111	400%
Three Rivers Provider Network	$118	426%
Multiplan	$122	440%
Great West Healthcare	$125	451%

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 $118.
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 Manistee 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.