CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Erlanger Medical Center

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $37
Cash Discount Price: $132
vs. Medicare Baseline: 1.33x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Erlanger Medical Center is $37. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $132. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 1.33x the Medicare baseline. Located in 975 E 3Rd St, Chattanooga, TN.

Cash / Self-Pay

$132

Average discount available for prompt cash payment at this facility.

Insurance Median

$37

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: $132 (476%)

Insurance Median: $37 (133%)

Cash: $132 (476% of Medicare)

Ins. Median: $37 (133% 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.

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	$22 - $200	79%
Bluecare	$22 - $84	79%
Aetna	$23 - $122	83%
Amerigroup	$23 - $77	83%
Caresource	$23 - $70	83%
Humana	$23 - $41	83%
Peach State Hlth Plan	$23	83%
UnitedHealthcare	$26 - $114	94%
Cigna	$29 - $200	105%
Alexian	$35 - $36	126%
Clover	$35 - $36	126%
Upmc	$35 - $36	126%
American Health	$36 - $37	130%
Devoted Health	$36 - $37	130%
Medicare (plans)	$36	130%
Nhc	$37 - $38	133%
Pruitthealth Premier	$37	133%
Atrio Health	$39	141%
Simpra Advantage	$39	141%
Ambetter / Centene	$44 - $45	159%
Caresource Ga	$50 - $89	180%
Caresource Tn	$50 - $89	180%
Olympus	$54 - $188	195%
Alliant	$57 - $188	206%
Caresource Nc	$60 - $89	216%
Occunet	$63	227%
Pnoa	$63 - $88	227%
Point Comfort Underwriters	$63 - $65	227%
Wellpoint	$100	361%
First Health	$200 - $212	722%

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 $132.
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 Erlanger Medical Center 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.