CMS Price Transparency Data

Physical therapy (therapeutic exercise)

Facility: UPMC Kane

Billing Code: 97110 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97110
Insurance Median: $61
Cash Discount Price: $78
vs. Medicare Baseline: 2.10x Medicare

The contracted insurance negotiated median rate for a Physical therapy (therapeutic exercise) at UPMC Kane is $61. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $78. Compared to the federal Medicare reimbursement reference rate of $29.06, this hospital’s rate is 2.10x the Medicare baseline. Located in 4372 Route 6, Kane, PA.

Cash / Self-Pay

$78

Average discount available for prompt cash payment at this facility.

Insurance Median

$61

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: $78 (268%)

Insurance Median: $61 (210%)

Cash: $78 (268% of Medicare)

Ins. Median: $61 (210% 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 210% of the Medicare baseline (a markup of 110%). 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	$9 - $58	31%
UPMC Health Plan	$9 - $168	31%
UnitedHealthcare	$10 - $74	34%
Highmark Wholecare (Prev Gateway)	$12 - $57	41%
Geisinger	$12	41%
Amerihealth Caritas	$13 - $60	45%
PA Health & Wellness	$14	48%
Blue Cross Blue Shield	$41 - $152	141%
UPMC Work Partners	$43	148%
Focus Healthcare	$48 - $143	165%
Cigna	$77 - $3,399	265%
Horizon Health Plan	$77 - $106	265%
Multiplan	$82 - $113	282%
Intergroup	$88 - $121	303%
Health Coalition Partners	$88 - $121	303%

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 $78.
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 Kane 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.