CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: UPMC Muncy

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $115
Cash Discount Price: $130
vs. Medicare Baseline: 4.15x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at UPMC Muncy is $115. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $130. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 4.15x the Medicare baseline. Located in 215 East Water Street, Muncy, PA.

Cash / Self-Pay

$130

Average discount available for prompt cash payment at this facility.

Insurance Median

$115

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: $130 (469%)

Insurance Median: $115 (415%)

Cash: $130 (469% of Medicare)

Ins. Median: $115 (415% 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 415% of the Medicare baseline (a markup of 315%). 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
Geisinger	$23 - $145	83%
Highmark Wholecare (Prev Gateway)	$23 - $33	83%
Upmc Health Plan	$23 - $95	83%
Amerihealth Caritas	$24 - $2,208	87%
UnitedHealthcare	$27 - $148	97%
Cigna	$34 - $149	123%
Pa Health & Wellness	$35 - $2,316	126%
Upmc Work Partners	$41	148%
Three Rivers Provider Network	$50 - $195	180%
Blue Cross Blue Shield	$85 - $100	307%
Aetna	$88 - $143	317%
Coventry/First Health	$109 - $146	393%
Wirerope Works	$121	437%
Multiplan	$169 - $206	610%
America'S Choice	$174	628%
Intergroup	$174	628%

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 $130.
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 UPMC Muncy 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.