CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: UPMC Muncy

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $115
Cash Discount Price: $130
vs. Medicare Baseline: 3.96x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) 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 $29.06, this hospital’s rate is 3.96x 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

$29.06

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.06 (100%)

Cash / Self-Pay: $130 (447%)

Insurance Median: $115 (396%)

Cash: $130 (447% of Medicare)

Ins. Median: $115 (396% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $29.06 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 396% of the Medicare baseline (a markup of 296%). 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
Amerihealth Caritas	$9 - $2,208	31%
Geisinger	$9 - $145	31%
Highmark Wholecare (Prev Gateway)	$9 - $33	31%
Upmc Health Plan	$9 - $95	31%
UnitedHealthcare	$11 - $148	38%
Pa Health & Wellness	$14 - $2,316	48%
Cigna	$34 - $149	117%
Upmc Work Partners	$41	141%
Three Rivers Provider Network	$50 - $195	172%
Blue Cross Blue Shield	$85 - $100	292%
Aetna	$88 - $143	303%
Coventry/First Health	$109 - $146	375%
Wirerope Works	$121	416%
Multiplan	$169 - $206	582%
America'S Choice	$174	599%
Intergroup	$174	599%

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: 97110.

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 97110.
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.