CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Mary Free Bed Rehabilitation Hospital

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $79
Cash Discount Price: $123
vs. Medicare Baseline: 2.85x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Mary Free Bed Rehabilitation Hospital is $79. 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 2.85x the Medicare baseline. Located in 235 Wealthy St Se, Grand Rapids, MI.

Cash / Self-Pay

$123

Average discount available for prompt cash payment at this facility.

Insurance Median

$79

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: $79 (285%)

Cash: $123 (444% of Medicare)

Ins. Median: $79 (285% 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 285% of the Medicare baseline (a markup of 185%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Aetna	$14 - $93	51%
Blue_Cross_Blue_Shield_Of_Michigan	$14 - $163	51%
Healthplus_Partners	$14 - $17	51%
Mclaren_Health_Plan_Inc	$14 - $80	51%
Meridian_Health_Plan	$14 - $26	51%
Midwest_Health_Plan	$14 - $17	51%
Molina_Healthcare	$14 - $26	51%
Priority_Health	$14 - $101	51%
United_Healthcare	$14 - $214	51%
Health_Alliance_Plan_(Hap)	$26 - $34	94%
Humana	$26	94%
University_Of_Michigan_Health_Plan	$26 - $96	94%
Asr	$34	123%
Cigna	$94 - $118	339%
Multiplan	$105 - $114	379%
Three_Rivers_Provider_Network_Trpn	$108 - $113	390%

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 Mary Free Bed Rehabilitation 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.