CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Helen Newberry Joy Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $41
Cash Discount Price: $47
vs. Medicare Baseline: 1.48x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Helen Newberry Joy Hospital is $41. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $47. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 1.48x the Medicare baseline. Located in 502 W Harrie St, Newberry, MI.

Cash / Self-Pay

$47

Average discount available for prompt cash payment at this facility.

Insurance Median

$41

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: $47 (170%)

Insurance Median: $41 (148%)

Cash: $47 (170% of Medicare)

Ins. Median: $41 (148% 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
Mi Wc - All Plans	$6 - $84	22%
Aetna	$16 - $124	58%
Uphg Tpa - All Plans	$16 - $117	58%
Cigna	$17 - $127	61%
Health Alliance - All Plans	$17 - $127	61%
Vital Core - All Plans	$17 - $127	61%
First Health - All Plans	$18 - $124	65%
Healtheos - All Plans	$18 - $127	65%
Ppom/Cofinity - All Plans	$18 - $124	65%
Priority Health - All Plans	$18 - $127	65%
UnitedHealthcare	$18 - $127	65%
Uphp Mcaid - All Plans	$18 - $61	65%
Va - All Plans	$27 - $54	97%
Blue Cross Blue Shield	$30 - $129	108%
Humana	$31 - $52	112%
Mi Health Link - All Plans	$31 - $52	112%

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 $47.
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 Helen Newberry Joy 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.