CMS Price Transparency Data

Physical therapy (manual therapy)

Facility: Univ. of Vermont - Fletcher Allen Health Care

Billing Code: 97140 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97140
Insurance Median: $76
Cash Discount Price: $116
vs. Medicare Baseline: 2.74x Medicare

The contracted insurance negotiated median rate for a Physical therapy (manual therapy) at Univ. of Vermont - Fletcher Allen Health Care is $76. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $116. Compared to the federal Medicare reimbursement reference rate of $27.72, this hospital’s rate is 2.74x the Medicare baseline. Located in 111 Colchester Ave, Burlington, VT.

Cash / Self-Pay

$116

Average discount available for prompt cash payment at this facility.

Insurance Median

$76

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: $116 (418%)

Insurance Median: $76 (274%)

Cash: $116 (418% of Medicare)

Ins. Median: $76 (274% 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 274% of the Medicare baseline (a markup of 174%). 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
UnitedHealthcare	$16 - $123	58%
Mvp	$23 - $109	83%
Aetna	$27 - $53	97%
Blue Cross Blue Shield	$27 - $113	97%
Capital District Physicians' Health Plan	$27 - $87	97%
Humana	$27 - $32	97%
Martins Point	$27	97%
St. Regis	$27	97%
Veterans Affairs Community Care Network	$27	97%
Fidelis Care	$31 - $92	112%
Wellpath	$38 - $64	137%
Ebpa	$85 - $100	307%
Harvard Pilgrim	$88 - $93	317%
Magnacare	$88 - $93	317%
Coventry	$94 - $99	339%
Nppn	$99 - $104	357%
Cigna	$100 - $113	361%

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 $116.
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 Univ. of Vermont - Fletcher Allen Health Care 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.