CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Perham Health

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $59
Cash Discount Price: $76
vs. Medicare Baseline: 2.13x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Perham Health is $59. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $76. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 2.13x the Medicare baseline. Located in 1000 Coney Street West, Perham, MN.

Cash / Self-Pay

$76

Average discount available for prompt cash payment at this facility.

Insurance Median

$59

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: $76 (274%)

Insurance Median: $59 (213%)

Cash: $76 (274% of Medicare)

Ins. Median: $59 (213% 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 213% of the Medicare baseline (a markup of 113%). 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
Blue Cross Blue Shield	$20 - $126	72%
Health Partners Mcr Adv	$20 - $59	72%
Humana	$20 - $59	72%
Medica Mcr Adv	$20 - $59	72%
Medicare (plans)	$20 - $66	72%
Ucare Mn Senior Health Options	$20 - $59	72%
Ucare Mn Special Needs Basic Care Dual	$21 - $62	76%
UnitedHealthcare	$21 - $136	76%
Medica Mcaid Mn Care	$22 - $64	79%
Medicaid / KanCare	$22 - $63	79%
Ucare Mn Medical Assistance	$22 - $63	79%
Ucare Mn Minnesota Care	$22 - $63	79%
Ucare Mn Senior Care Plus	$22 - $63	79%
Ucare Mn Special Needs Basic Care	$22 - $63	79%
Medica Mn (Msho)	$25 - $72	90%
Ucare Individual And Family Plan-All Other Plans	$25 - $72	90%
Medica Mn Senior Hp/Outside Mn	$27 - $79	97%
Health Partners Minnesota Care	$30 - $87	108%
Medica Commercial-All Other Plans	$44 - $127	159%
Preferred One (Pchp, Pic, Pas)-All Other Plans	$45 - $130	162%
Health Partners-All Plans	$49 - $143	177%
Preferred One (Ppo)	$51 - $148	184%
Sanford Health Plan-All Plans	$51 - $148	184%

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 $76.
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 Perham Health 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.