CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: PAM Rehabilitation Hospital of Fargo

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $127
Cash Discount Price: $185
vs. Medicare Baseline: 4.58x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at PAM Rehabilitation Hospital of Fargo is $127. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $185. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 4.58x the Medicare baseline. Located in 4671 38Th St S, Fargo, ND.

Cash / Self-Pay

$185

Average discount available for prompt cash payment at this facility.

Insurance Median

$127

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: $185 (667%)

Insurance Median: $127 (458%)

Cash: $185 (667% of Medicare)

Ins. Median: $127 (458% 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 458% of the Medicare baseline (a markup of 358%). 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 - $28	72%
Primewest Minnesota	$20	72%
Ucare Of Minnesota	$20	72%
Aetna	$28	101%
Medica	$39 - $78	141%
Sanford Health Plan	$86	310%
UnitedHealthcare	$95	343%
Cigna	$111 - $124	400%
Ilumed Aco Reach	$120	433%
Americas Choice Provider Network	$130	469%
Provider Network Of America	$139	501%
Quik Trip	$139	501%
Usa Managed Care Organization	$139	501%
Velocity Provider Ppo Network	$139	501%
Multiplan/Phcs	$148	534%
Prime Health Services	$157	566%

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 $185.
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 PAM Rehabilitation Hospital of Fargo 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.